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$4,236
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,367
−HK$134/mo
Today · 4.125%
HK$4,501
baseline
▲ 0.50% · 4.625%
HK$4,775
+HK$274/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,002/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,712
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,838
−HK$129/mo
Today · 4.125%
HK$4,967
baseline
▲ 0.50% · 4.625%
HK$5,228
+HK$261/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,934/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,083
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,241
−HK$160/mo
Today · 4.125%
HK$5,401
baseline
▲ 0.50% · 4.625%
HK$5,730
+HK$329/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,802/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,654
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,806
−HK$154/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,274
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,920/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$188/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,604/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$6,597
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$179/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$367/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,906/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$7,624
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,861
−HK$241/mo
Today · 4.125%
HK$8,102
baseline
▲ 0.50% · 4.625%
HK$8,595
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,204/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$8,482
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$231/mo
Today · 4.125%
HK$8,940
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$471/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,880/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).