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$4,104
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,232
−HK$129/mo
Today · 4.125%
HK$4,361
baseline
▲ 0.50% · 4.625%
HK$4,627
+HK$266/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$8,722/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,566
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,688
−HK$124/mo
Today · 4.125%
HK$4,812
baseline
▲ 0.50% · 4.625%
HK$5,066
+HK$254/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$9,624/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,925
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,078
−HK$156/mo
Today · 4.125%
HK$5,234
baseline
▲ 0.50% · 4.625%
HK$5,552
+HK$318/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$10,468/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,479
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,626
−HK$149/mo
Today · 4.125%
HK$5,775
baseline
▲ 0.50% · 4.625%
HK$6,079
+HK$304/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$11,550/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,746
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,924
−HK$182/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,478
+HK$372/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$12,212/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,392
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$174/mo
Today · 4.125%
HK$6,737
baseline
▲ 0.50% · 4.625%
HK$7,093
+HK$356/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$13,474/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,387
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$234/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$477/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,702/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,218
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$223/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,119
+HK$457/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,324/mo (50% DSR)
Upfront cash ≈ HK$180K (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).