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$4,147
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,276
−HK$131/mo
Today · 4.125%
HK$4,407
baseline
▲ 0.50% · 4.625%
HK$4,676
+HK$269/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$8,814/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,614
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,738
−HK$125/mo
Today · 4.125%
HK$4,863
baseline
▲ 0.50% · 4.625%
HK$5,119
+HK$256/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$9,726/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,977
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,132
−HK$157/mo
Today · 4.125%
HK$5,289
baseline
▲ 0.50% · 4.625%
HK$5,611
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,578/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,537
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,685
−HK$151/mo
Today · 4.125%
HK$5,836
baseline
▲ 0.50% · 4.625%
HK$6,143
+HK$307/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,672/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,806
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,987
−HK$183/mo
Today · 4.125%
HK$6,170
baseline
▲ 0.50% · 4.625%
HK$6,546
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,340/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,459
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,633
−HK$175/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,167
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,616/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,465
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$236/mo
Today · 4.125%
HK$7,933
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,866/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$8,305
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$226/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,508/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).