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$4,166
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,295
−HK$132/mo
Today · 4.125%
HK$4,427
baseline
▲ 0.50% · 4.625%
HK$4,696
+HK$269/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$8,854/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,634
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,758
−HK$126/mo
Today · 4.125%
HK$4,884
baseline
▲ 0.50% · 4.625%
HK$5,142
+HK$258/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$9,768/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,999
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,154
−HK$158/mo
Today · 4.125%
HK$5,312
baseline
▲ 0.50% · 4.625%
HK$5,635
+HK$323/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$10,624/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,561
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,710
−HK$151/mo
Today · 4.125%
HK$5,861
baseline
▲ 0.50% · 4.625%
HK$6,170
+HK$309/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$11,722/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,832
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$184/mo
Today · 4.125%
HK$6,197
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$378/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,394/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,488
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$176/mo
Today · 4.125%
HK$6,838
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$361/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,676/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,498
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,731
−HK$237/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$485/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$15,936/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$8,341
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,565
−HK$227/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$464/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$17,584/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).