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$4,232
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,363
−HK$134/mo
Today · 4.125%
HK$4,497
baseline
▲ 0.50% · 4.625%
HK$4,771
+HK$274/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$8,994/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,708
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,834
−HK$128/mo
Today · 4.125%
HK$4,962
baseline
▲ 0.50% · 4.625%
HK$5,224
+HK$262/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$9,924/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,078
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,236
−HK$160/mo
Today · 4.125%
HK$5,396
baseline
▲ 0.50% · 4.625%
HK$5,725
+HK$329/mo
Deposit HK$742K · loan HK$1.11M · min. income ≈ HK$10,792/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,649
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,801
−HK$153/mo
Today · 4.125%
HK$5,954
baseline
▲ 0.50% · 4.625%
HK$6,268
+HK$314/mo
Deposit HK$742K · loan HK$1.11M · min. income ≈ HK$11,908/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,924
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,109
−HK$187/mo
Today · 4.125%
HK$6,296
baseline
▲ 0.50% · 4.625%
HK$6,679
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,592/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,591
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,768
−HK$179/mo
Today · 4.125%
HK$6,947
baseline
▲ 0.50% · 4.625%
HK$7,313
+HK$366/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,894/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,617
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$241/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$492/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,190/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$8,474
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,701
−HK$231/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$470/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,864/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).