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$4,249
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,381
−HK$134/mo
Today · 4.125%
HK$4,515
baseline
▲ 0.50% · 4.625%
HK$4,790
+HK$275/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,030/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,726
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,853
−HK$129/mo
Today · 4.125%
HK$4,982
baseline
▲ 0.50% · 4.625%
HK$5,244
+HK$262/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,964/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,098
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$161/mo
Today · 4.125%
HK$5,418
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$330/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,836/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,672
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,824
−HK$154/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,293
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,956/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,948
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,133
−HK$188/mo
Today · 4.125%
HK$6,321
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$385/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,642/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,617
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$181/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,342
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,950/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,647
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$242/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,254/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,508
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$231/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,934/mo (50% DSR)
Upfront cash ≈ HK$186K (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).