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$4,174
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,304
−HK$132/mo
Today · 4.125%
HK$4,436
baseline
▲ 0.50% · 4.625%
HK$4,706
+HK$270/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$8,872/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,644
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,768
−HK$127/mo
Today · 4.125%
HK$4,895
baseline
▲ 0.50% · 4.625%
HK$5,153
+HK$258/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$9,790/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,009
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,165
−HK$158/mo
Today · 4.125%
HK$5,323
baseline
▲ 0.50% · 4.625%
HK$5,647
+HK$324/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$10,646/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,573
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,722
−HK$152/mo
Today · 4.125%
HK$5,874
baseline
▲ 0.50% · 4.625%
HK$6,183
+HK$309/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$11,748/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,844
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,026
−HK$185/mo
Today · 4.125%
HK$6,211
baseline
▲ 0.50% · 4.625%
HK$6,588
+HK$377/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,422/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,501
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,676
−HK$177/mo
Today · 4.125%
HK$6,853
baseline
▲ 0.50% · 4.625%
HK$7,214
+HK$361/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,706/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,514
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$237/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,970/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$8,359
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$228/mo
Today · 4.125%
HK$8,811
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,622/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).