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$4,205
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,335
−HK$133/mo
Today · 4.125%
HK$4,468
baseline
▲ 0.50% · 4.625%
HK$4,740
+HK$272/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$8,936/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,678
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,803
−HK$127/mo
Today · 4.125%
HK$4,930
baseline
▲ 0.50% · 4.625%
HK$5,190
+HK$260/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$9,860/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,046
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,202
−HK$160/mo
Today · 4.125%
HK$5,362
baseline
▲ 0.50% · 4.625%
HK$5,688
+HK$326/mo
Deposit HK$738K · loan HK$1.11M · min. income ≈ HK$10,724/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,613
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$152/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,228
+HK$312/mo
Deposit HK$738K · loan HK$1.11M · min. income ≈ HK$11,832/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,886
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$186/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,636
+HK$380/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,512/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,549
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$178/mo
Today · 4.125%
HK$6,902
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$364/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,804/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,568
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$239/mo
Today · 4.125%
HK$8,043
baseline
▲ 0.50% · 4.625%
HK$8,532
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,086/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$8,420
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$229/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$468/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,748/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).