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$4,132
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,260
−HK$131/mo
Today · 4.125%
HK$4,391
baseline
▲ 0.50% · 4.625%
HK$4,658
+HK$267/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$8,782/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,596
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,720
−HK$125/mo
Today · 4.125%
HK$4,845
baseline
▲ 0.50% · 4.625%
HK$5,100
+HK$255/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$9,690/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,958
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$157/mo
Today · 4.125%
HK$5,269
baseline
▲ 0.50% · 4.625%
HK$5,589
+HK$320/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$10,538/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,516
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$150/mo
Today · 4.125%
HK$5,814
baseline
▲ 0.50% · 4.625%
HK$6,120
+HK$306/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$11,628/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,784
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$183/mo
Today · 4.125%
HK$6,147
baseline
▲ 0.50% · 4.625%
HK$6,521
+HK$374/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,294/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,435
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,608
−HK$175/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$357/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,566/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,437
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$235/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,806/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,274
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$226/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,442/mo (50% DSR)
Upfront cash ≈ HK$181K (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).