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$4,148
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,277
−HK$132/mo
Today · 4.125%
HK$4,409
baseline
▲ 0.50% · 4.625%
HK$4,677
+HK$268/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$8,818/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,615
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,739
−HK$125/mo
Today · 4.125%
HK$4,864
baseline
▲ 0.50% · 4.625%
HK$5,121
+HK$257/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$9,728/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,978
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,133
−HK$157/mo
Today · 4.125%
HK$5,290
baseline
▲ 0.50% · 4.625%
HK$5,612
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,580/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,538
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$150/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,145
+HK$308/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,674/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,808
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,988
−HK$184/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,344/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,461
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,634
−HK$176/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,169
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,620/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,467
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$236/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,870/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,307
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$226/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,217
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,512/mo (50% DSR)
Upfront cash ≈ HK$182K (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).