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$4,198
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,329
−HK$133/mo
Today · 4.125%
HK$4,462
baseline
▲ 0.50% · 4.625%
HK$4,733
+HK$271/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,924/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,671
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,796
−HK$127/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,182
+HK$259/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,846/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,038
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,195
−HK$159/mo
Today · 4.125%
HK$5,354
baseline
▲ 0.50% · 4.625%
HK$5,680
+HK$326/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,708/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,605
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,755
−HK$153/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$311/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,816/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,878
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$185/mo
Today · 4.125%
HK$6,246
baseline
▲ 0.50% · 4.625%
HK$6,626
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,492/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,539
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,714
−HK$178/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,255
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,784/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,557
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$239/mo
Today · 4.125%
HK$8,031
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,062/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$8,407
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$228/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,722/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).