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$4,186
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,316
−HK$133/mo
Today · 4.125%
HK$4,449
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$270/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$8,898/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,657
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,782
−HK$127/mo
Today · 4.125%
HK$4,909
baseline
▲ 0.50% · 4.625%
HK$5,167
+HK$258/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$9,818/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,023
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,180
−HK$158/mo
Today · 4.125%
HK$5,338
baseline
▲ 0.50% · 4.625%
HK$5,663
+HK$325/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$10,676/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,588
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,738
−HK$152/mo
Today · 4.125%
HK$5,890
baseline
▲ 0.50% · 4.625%
HK$6,201
+HK$311/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$11,780/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,861
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,043
−HK$185/mo
Today · 4.125%
HK$6,228
baseline
▲ 0.50% · 4.625%
HK$6,607
+HK$379/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,456/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,520
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,695
−HK$177/mo
Today · 4.125%
HK$6,872
baseline
▲ 0.50% · 4.625%
HK$7,234
+HK$362/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,744/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,535
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,769
−HK$238/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$488/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,014/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,383
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,607
−HK$228/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,670/mo (50% DSR)
Upfront cash ≈ HK$184K (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).