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$4,117
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,245
−HK$130/mo
Today · 4.125%
HK$4,375
baseline
▲ 0.50% · 4.625%
HK$4,641
+HK$266/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$8,750/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,580
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,703
−HK$125/mo
Today · 4.125%
HK$4,828
baseline
▲ 0.50% · 4.625%
HK$5,082
+HK$254/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$9,656/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,940
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,094
−HK$156/mo
Today · 4.125%
HK$5,250
baseline
▲ 0.50% · 4.625%
HK$5,570
+HK$320/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,500/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,496
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$150/mo
Today · 4.125%
HK$5,793
baseline
▲ 0.50% · 4.625%
HK$6,098
+HK$305/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,586/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,764
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,943
−HK$182/mo
Today · 4.125%
HK$6,125
baseline
▲ 0.50% · 4.625%
HK$6,498
+HK$373/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$12,250/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,412
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,584
−HK$175/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,115
+HK$356/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$13,518/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,410
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$234/mo
Today · 4.125%
HK$7,875
baseline
▲ 0.50% · 4.625%
HK$8,354
+HK$479/mo
Deposit HK$181K · loan HK$1.62M · min. income ≈ HK$15,750/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,244
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$225/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$458/mo
Deposit HK$181K · loan HK$1.62M · min. income ≈ HK$17,380/mo (50% DSR)
Upfront cash ≈ HK$181K (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).