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$4,258
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,391
−HK$134/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,801
+HK$276/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,050/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,737
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,864
−HK$129/mo
Today · 4.125%
HK$4,993
baseline
▲ 0.50% · 4.625%
HK$5,256
+HK$263/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,986/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,110
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$161/mo
Today · 4.125%
HK$5,430
baseline
▲ 0.50% · 4.625%
HK$5,761
+HK$331/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$10,860/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,685
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,837
−HK$155/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,308
+HK$316/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$11,984/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,961
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,147
−HK$188/mo
Today · 4.125%
HK$6,335
baseline
▲ 0.50% · 4.625%
HK$6,721
+HK$386/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,670/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,632
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$180/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$369/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,980/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,665
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$242/mo
Today · 4.125%
HK$8,145
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,290/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,527
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$232/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,461
+HK$473/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,976/mo (50% DSR)
Upfront cash ≈ HK$187K (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).