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$4,230
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,362
−HK$134/mo
Today · 4.125%
HK$4,496
baseline
▲ 0.50% · 4.625%
HK$4,769
+HK$273/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$8,992/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,706
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$128/mo
Today · 4.125%
HK$4,960
baseline
▲ 0.50% · 4.625%
HK$5,222
+HK$262/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$9,920/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,076
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,234
−HK$161/mo
Today · 4.125%
HK$5,395
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$328/mo
Deposit HK$742K · loan HK$1.11M · min. income ≈ HK$10,790/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,647
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,799
−HK$154/mo
Today · 4.125%
HK$5,953
baseline
▲ 0.50% · 4.625%
HK$6,266
+HK$313/mo
Deposit HK$742K · loan HK$1.11M · min. income ≈ HK$11,906/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,922
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$187/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,677
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,588/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$6,589
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,765
−HK$180/mo
Today · 4.125%
HK$6,945
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$366/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,890/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$7,615
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,851
−HK$241/mo
Today · 4.125%
HK$8,092
baseline
▲ 0.50% · 4.625%
HK$8,584
+HK$492/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,184/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$8,471
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$231/mo
Today · 4.125%
HK$8,929
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$470/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,858/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).