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$4,126
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,254
−HK$131/mo
Today · 4.125%
HK$4,385
baseline
▲ 0.50% · 4.625%
HK$4,651
+HK$266/mo
Deposit HK$905K · loan HK$905K · min. income ≈ HK$8,770/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,590
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,713
−HK$125/mo
Today · 4.125%
HK$4,838
baseline
▲ 0.50% · 4.625%
HK$5,093
+HK$255/mo
Deposit HK$905K · loan HK$905K · min. income ≈ HK$9,676/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,951
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,105
−HK$156/mo
Today · 4.125%
HK$5,261
baseline
▲ 0.50% · 4.625%
HK$5,582
+HK$321/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$10,522/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,508
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,656
−HK$149/mo
Today · 4.125%
HK$5,805
baseline
▲ 0.50% · 4.625%
HK$6,111
+HK$306/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$11,610/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,776
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$182/mo
Today · 4.125%
HK$6,138
baseline
▲ 0.50% · 4.625%
HK$6,512
+HK$374/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$12,276/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,426
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,598
−HK$175/mo
Today · 4.125%
HK$6,773
baseline
▲ 0.50% · 4.625%
HK$7,130
+HK$357/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$13,546/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,426
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$235/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,784/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$8,262
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$225/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,416/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).