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$4,245
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,377
−HK$134/mo
Today · 4.125%
HK$4,511
baseline
▲ 0.50% · 4.625%
HK$4,786
+HK$275/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,022/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,723
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,849
−HK$129/mo
Today · 4.125%
HK$4,978
baseline
▲ 0.50% · 4.625%
HK$5,240
+HK$262/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,956/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,094
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,253
−HK$161/mo
Today · 4.125%
HK$5,414
baseline
▲ 0.50% · 4.625%
HK$5,743
+HK$329/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,828/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,667
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,819
−HK$154/mo
Today · 4.125%
HK$5,973
baseline
▲ 0.50% · 4.625%
HK$6,288
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,946/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,943
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,128
−HK$188/mo
Today · 4.125%
HK$6,316
baseline
▲ 0.50% · 4.625%
HK$6,700
+HK$384/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,632/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,612
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,789
−HK$180/mo
Today · 4.125%
HK$6,969
baseline
▲ 0.50% · 4.625%
HK$7,336
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,938/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,641
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,879
−HK$241/mo
Today · 4.125%
HK$8,120
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$495/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,240/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$8,501
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$231/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,432
+HK$472/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,920/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).