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$4,205
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,336
−HK$133/mo
Today · 4.125%
HK$4,469
baseline
▲ 0.50% · 4.625%
HK$4,741
+HK$272/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$8,938/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,678
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,804
−HK$127/mo
Today · 4.125%
HK$4,931
baseline
▲ 0.50% · 4.625%
HK$5,191
+HK$260/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$9,862/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,046
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,203
−HK$160/mo
Today · 4.125%
HK$5,363
baseline
▲ 0.50% · 4.625%
HK$5,689
+HK$326/mo
Deposit HK$738K · loan HK$1.11M · min. income ≈ HK$10,726/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,614
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$153/mo
Today · 4.125%
HK$5,917
baseline
▲ 0.50% · 4.625%
HK$6,229
+HK$312/mo
Deposit HK$738K · loan HK$1.11M · min. income ≈ HK$11,834/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,887
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$186/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$381/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,512/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,549
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$178/mo
Today · 4.125%
HK$6,903
baseline
▲ 0.50% · 4.625%
HK$7,267
+HK$364/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,806/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,569
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$239/mo
Today · 4.125%
HK$8,044
baseline
▲ 0.50% · 4.625%
HK$8,533
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,088/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$8,421
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,646
−HK$230/mo
Today · 4.125%
HK$8,876
baseline
▲ 0.50% · 4.625%
HK$9,343
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,752/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).