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$4,226
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,357
−HK$134/mo
Today · 4.125%
HK$4,491
baseline
▲ 0.50% · 4.625%
HK$4,764
+HK$273/mo
Deposit HK$927K · loan HK$927K · min. income ≈ HK$8,982/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,701
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,827
−HK$128/mo
Today · 4.125%
HK$4,955
baseline
▲ 0.50% · 4.625%
HK$5,217
+HK$262/mo
Deposit HK$927K · loan HK$927K · min. income ≈ HK$9,910/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,071
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,229
−HK$160/mo
Today · 4.125%
HK$5,389
baseline
▲ 0.50% · 4.625%
HK$5,717
+HK$328/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$10,778/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,642
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,793
−HK$153/mo
Today · 4.125%
HK$5,946
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$314/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$11,892/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,916
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,100
−HK$187/mo
Today · 4.125%
HK$6,287
baseline
▲ 0.50% · 4.625%
HK$6,670
+HK$383/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$12,574/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,582
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,758
−HK$180/mo
Today · 4.125%
HK$6,938
baseline
▲ 0.50% · 4.625%
HK$7,303
+HK$365/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$13,876/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,607
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$241/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$492/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,168/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,462
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$231/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$470/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,840/mo (50% DSR)
Upfront cash ≈ HK$185K (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).