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$4,246
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,378
−HK$134/mo
Today · 4.125%
HK$4,512
baseline
▲ 0.50% · 4.625%
HK$4,787
+HK$275/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,024/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,723
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,850
−HK$129/mo
Today · 4.125%
HK$4,979
baseline
▲ 0.50% · 4.625%
HK$5,241
+HK$262/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,958/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,095
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,253
−HK$162/mo
Today · 4.125%
HK$5,415
baseline
▲ 0.50% · 4.625%
HK$5,744
+HK$329/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,830/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$5,668
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,820
−HK$154/mo
Today · 4.125%
HK$5,974
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,948/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$5,944
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,129
−HK$188/mo
Today · 4.125%
HK$6,317
baseline
▲ 0.50% · 4.625%
HK$6,701
+HK$384/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,634/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$6,613
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,790
−HK$180/mo
Today · 4.125%
HK$6,970
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,940/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$7,642
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$242/mo
Today · 4.125%
HK$8,122
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,244/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$8,502
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,730
−HK$232/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$472/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,924/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).