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$262/mo
▼ 0.25% · 3.875%
HK$4,307
−HK$132/mo
Today · 4.125%
HK$4,439
baseline
▲ 0.50% · 4.625%
HK$4,710
+HK$271/mo
Deposit HK$916K · loan HK$916K · min. income ≈ HK$8,878/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$4,647
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,772
−HK$126/mo
Today · 4.125%
HK$4,898
baseline
▲ 0.50% · 4.625%
HK$5,157
+HK$259/mo
Deposit HK$916K · loan HK$916K · min. income ≈ HK$9,796/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$5,013
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,169
−HK$158/mo
Today · 4.125%
HK$5,327
baseline
▲ 0.50% · 4.625%
HK$5,651
+HK$324/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$10,654/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$5,577
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,726
−HK$152/mo
Today · 4.125%
HK$5,878
baseline
▲ 0.50% · 4.625%
HK$6,188
+HK$310/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$11,756/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$5,848
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,030
−HK$185/mo
Today · 4.125%
HK$6,215
baseline
▲ 0.50% · 4.625%
HK$6,593
+HK$378/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,430/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$6,506
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,681
−HK$177/mo
Today · 4.125%
HK$6,858
baseline
▲ 0.50% · 4.625%
HK$7,219
+HK$361/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,716/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$7,519
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$238/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,982/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$8,365
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$227/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,282
+HK$465/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,634/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).