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$4,102
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,230
−HK$130/mo
Today · 4.125%
HK$4,360
baseline
▲ 0.50% · 4.625%
HK$4,625
+HK$265/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$8,720/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,564
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,686
−HK$124/mo
Today · 4.125%
HK$4,810
baseline
▲ 0.50% · 4.625%
HK$5,064
+HK$254/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$9,620/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,923
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,076
−HK$156/mo
Today · 4.125%
HK$5,232
baseline
▲ 0.50% · 4.625%
HK$5,550
+HK$318/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$10,464/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,477
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,623
−HK$149/mo
Today · 4.125%
HK$5,772
baseline
▲ 0.50% · 4.625%
HK$6,077
+HK$305/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$11,544/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,743
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,922
−HK$181/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,475
+HK$372/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$12,206/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,389
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$174/mo
Today · 4.125%
HK$6,735
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$355/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$13,470/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,384
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$233/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,325
+HK$478/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,694/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,215
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$224/mo
Today · 4.125%
HK$8,659
baseline
▲ 0.50% · 4.625%
HK$9,115
+HK$456/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,318/mo (50% DSR)
Upfront cash ≈ HK$180K (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).