The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,216
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$133/mo
Today · 4.125%
HK$4,481
baseline
▲ 0.50% · 4.625%
HK$4,754
+HK$273/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$8,962/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,691
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$127/mo
Today · 4.125%
HK$4,944
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$261/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$9,888/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,060
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,217
−HK$160/mo
Today · 4.125%
HK$5,377
baseline
▲ 0.50% · 4.625%
HK$5,704
+HK$327/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$10,754/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,629
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,780
−HK$153/mo
Today · 4.125%
HK$5,933
baseline
▲ 0.50% · 4.625%
HK$6,246
+HK$313/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$11,866/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,903
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$186/mo
Today · 4.125%
HK$6,273
baseline
▲ 0.50% · 4.625%
HK$6,655
+HK$382/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$12,546/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,567
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,743
−HK$179/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,287
+HK$365/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$13,844/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,590
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,826
−HK$240/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,556
+HK$490/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,132/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,443
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$230/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,369
+HK$469/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,800/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).