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$4,189
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,319
−HK$132/mo
Today · 4.125%
HK$4,451
baseline
▲ 0.50% · 4.625%
HK$4,722
+HK$271/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$8,902/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,660
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,785
−HK$126/mo
Today · 4.125%
HK$4,911
baseline
▲ 0.50% · 4.625%
HK$5,170
+HK$259/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$9,822/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,026
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,183
−HK$158/mo
Today · 4.125%
HK$5,341
baseline
▲ 0.50% · 4.625%
HK$5,666
+HK$325/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$10,682/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,592
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,742
−HK$152/mo
Today · 4.125%
HK$5,894
baseline
▲ 0.50% · 4.625%
HK$6,204
+HK$310/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$11,788/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,864
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$186/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,611
+HK$379/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,464/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,524
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,699
−HK$177/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,238
+HK$362/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,752/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,539
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,774
−HK$238/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$488/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,024/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,387
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$229/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,307
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,682/mo (50% DSR)
Upfront cash ≈ HK$184K (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).