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$4,234
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,366
−HK$134/mo
Today · 4.125%
HK$4,500
baseline
▲ 0.50% · 4.625%
HK$4,774
+HK$274/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$9,000/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,711
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,837
−HK$128/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,227
+HK$262/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$9,930/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,081
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$161/mo
Today · 4.125%
HK$5,400
baseline
▲ 0.50% · 4.625%
HK$5,729
+HK$329/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,800/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,653
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$153/mo
Today · 4.125%
HK$5,958
baseline
▲ 0.50% · 4.625%
HK$6,272
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,916/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,928
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,113
−HK$187/mo
Today · 4.125%
HK$6,300
baseline
▲ 0.50% · 4.625%
HK$6,683
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,600/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,595
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,772
−HK$179/mo
Today · 4.125%
HK$6,951
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$367/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,902/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,622
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,859
−HK$241/mo
Today · 4.125%
HK$8,100
baseline
▲ 0.50% · 4.625%
HK$8,593
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,200/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,479
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,707
−HK$230/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$472/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,874/mo (50% DSR)
Upfront cash ≈ HK$186K (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).