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$4,177
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,306
−HK$132/mo
Today · 4.125%
HK$4,438
baseline
▲ 0.50% · 4.625%
HK$4,709
+HK$271/mo
Deposit HK$916K · loan HK$916K · min. income ≈ HK$8,876/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,646
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,771
−HK$126/mo
Today · 4.125%
HK$4,897
baseline
▲ 0.50% · 4.625%
HK$5,156
+HK$259/mo
Deposit HK$916K · loan HK$916K · min. income ≈ HK$9,794/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,012
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,168
−HK$158/mo
Today · 4.125%
HK$5,326
baseline
▲ 0.50% · 4.625%
HK$5,650
+HK$324/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$10,652/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,576
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,725
−HK$152/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,187
+HK$310/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$11,754/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,847
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$185/mo
Today · 4.125%
HK$6,214
baseline
▲ 0.50% · 4.625%
HK$6,592
+HK$378/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,428/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,505
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,679
−HK$177/mo
Today · 4.125%
HK$6,856
baseline
▲ 0.50% · 4.625%
HK$7,218
+HK$362/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,712/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,518
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$237/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,978/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,363
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$227/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$465/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,630/mo (50% DSR)
Upfront cash ≈ HK$183K (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).