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$4,145
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,274
−HK$130/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,672
+HK$268/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,611
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$126/mo
Today · 4.125%
HK$4,860
baseline
▲ 0.50% · 4.625%
HK$5,116
+HK$256/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$9,720/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,974
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,128
−HK$157/mo
Today · 4.125%
HK$5,285
baseline
▲ 0.50% · 4.625%
HK$5,607
+HK$322/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,570/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,533
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$151/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,139
+HK$307/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,664/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,802
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$183/mo
Today · 4.125%
HK$6,166
baseline
▲ 0.50% · 4.625%
HK$6,541
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,332/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,455
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,628
−HK$176/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,163
+HK$359/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,608/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,460
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$236/mo
Today · 4.125%
HK$7,928
baseline
▲ 0.50% · 4.625%
HK$8,410
+HK$482/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,856/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,299
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$226/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,209
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,496/mo (50% DSR)
Upfront cash ≈ HK$182K (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).