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$4,160
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,289
−HK$132/mo
Today · 4.125%
HK$4,421
baseline
▲ 0.50% · 4.625%
HK$4,690
+HK$269/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$8,842/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,628
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,752
−HK$126/mo
Today · 4.125%
HK$4,878
baseline
▲ 0.50% · 4.625%
HK$5,135
+HK$257/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$9,756/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,992
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,147
−HK$158/mo
Today · 4.125%
HK$5,305
baseline
▲ 0.50% · 4.625%
HK$5,628
+HK$323/mo
Deposit HK$730K · loan HK$1.09M · min. income ≈ HK$10,610/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,554
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,702
−HK$152/mo
Today · 4.125%
HK$5,854
baseline
▲ 0.50% · 4.625%
HK$6,162
+HK$308/mo
Deposit HK$730K · loan HK$1.09M · min. income ≈ HK$11,708/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,824
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$184/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,566
+HK$377/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,378/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,479
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,653
−HK$176/mo
Today · 4.125%
HK$6,829
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,658/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,488
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$237/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,916/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,330
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$226/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$463/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,560/mo (50% DSR)
Upfront cash ≈ HK$183K (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).