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$4,266
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,398
−HK$135/mo
Today · 4.125%
HK$4,533
baseline
▲ 0.50% · 4.625%
HK$4,809
+HK$276/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,066/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,745
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,873
−HK$129/mo
Today · 4.125%
HK$5,002
baseline
▲ 0.50% · 4.625%
HK$5,265
+HK$263/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$10,004/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,119
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,278
−HK$162/mo
Today · 4.125%
HK$5,440
baseline
▲ 0.50% · 4.625%
HK$5,771
+HK$331/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,880/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,695
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,847
−HK$155/mo
Today · 4.125%
HK$6,002
baseline
▲ 0.50% · 4.625%
HK$6,319
+HK$317/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$12,004/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,972
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,158
−HK$188/mo
Today · 4.125%
HK$6,346
baseline
▲ 0.50% · 4.625%
HK$6,733
+HK$387/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,692/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,644
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$181/mo
Today · 4.125%
HK$7,003
baseline
▲ 0.50% · 4.625%
HK$7,372
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$14,006/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,678
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$243/mo
Today · 4.125%
HK$8,160
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,320/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,542
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$232/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$475/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$18,006/mo (50% DSR)
Upfront cash ≈ HK$187K (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).