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$4,153
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,282
−HK$131/mo
Today · 4.125%
HK$4,413
baseline
▲ 0.50% · 4.625%
HK$4,682
+HK$269/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$8,826/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,620
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,744
−HK$125/mo
Today · 4.125%
HK$4,869
baseline
▲ 0.50% · 4.625%
HK$5,126
+HK$257/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$9,738/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,983
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,138
−HK$158/mo
Today · 4.125%
HK$5,296
baseline
▲ 0.50% · 4.625%
HK$5,618
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,592/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,544
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$150/mo
Today · 4.125%
HK$5,843
baseline
▲ 0.50% · 4.625%
HK$6,151
+HK$308/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,686/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,814
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$183/mo
Today · 4.125%
HK$6,178
baseline
▲ 0.50% · 4.625%
HK$6,554
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,356/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$6,468
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,641
−HK$176/mo
Today · 4.125%
HK$6,817
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$360/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,634/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$7,475
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$237/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,888/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$8,316
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$226/mo
Today · 4.125%
HK$8,765
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,530/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).