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$4,196
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,327
−HK$133/mo
Today · 4.125%
HK$4,460
baseline
▲ 0.50% · 4.625%
HK$4,731
+HK$271/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$8,920/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,669
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$127/mo
Today · 4.125%
HK$4,921
baseline
▲ 0.50% · 4.625%
HK$5,180
+HK$259/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$9,842/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,036
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,192
−HK$160/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,677
+HK$325/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,704/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,602
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$153/mo
Today · 4.125%
HK$5,905
baseline
▲ 0.50% · 4.625%
HK$6,216
+HK$311/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,810/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,875
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$185/mo
Today · 4.125%
HK$6,243
baseline
▲ 0.50% · 4.625%
HK$6,623
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,486/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,536
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$178/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,252
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,778/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,554
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$238/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,054/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$8,403
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$228/mo
Today · 4.125%
HK$8,857
baseline
▲ 0.50% · 4.625%
HK$9,324
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,714/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).