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$4,131
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,260
−HK$130/mo
Today · 4.125%
HK$4,390
baseline
▲ 0.50% · 4.625%
HK$4,657
+HK$267/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$8,780/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,596
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,719
−HK$125/mo
Today · 4.125%
HK$4,844
baseline
▲ 0.50% · 4.625%
HK$5,099
+HK$255/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$9,688/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,957
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$156/mo
Today · 4.125%
HK$5,268
baseline
▲ 0.50% · 4.625%
HK$5,589
+HK$321/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$10,536/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,515
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,663
−HK$150/mo
Today · 4.125%
HK$5,813
baseline
▲ 0.50% · 4.625%
HK$6,119
+HK$306/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$11,626/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,784
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,963
−HK$183/mo
Today · 4.125%
HK$6,146
baseline
▲ 0.50% · 4.625%
HK$6,520
+HK$374/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,292/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,434
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$175/mo
Today · 4.125%
HK$6,782
baseline
▲ 0.50% · 4.625%
HK$7,139
+HK$357/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,564/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,436
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$235/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,804/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$8,272
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$225/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,438/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).