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$4,149
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,278
−HK$131/mo
Today · 4.125%
HK$4,409
baseline
▲ 0.50% · 4.625%
HK$4,677
+HK$268/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$8,818/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,616
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,739
−HK$126/mo
Today · 4.125%
HK$4,865
baseline
▲ 0.50% · 4.625%
HK$5,121
+HK$256/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$9,730/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,979
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,134
−HK$157/mo
Today · 4.125%
HK$5,291
baseline
▲ 0.50% · 4.625%
HK$5,613
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,582/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,539
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$151/mo
Today · 4.125%
HK$5,838
baseline
▲ 0.50% · 4.625%
HK$6,146
+HK$308/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,676/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,809
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,989
−HK$184/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$375/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,346/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,462
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,635
−HK$176/mo
Today · 4.125%
HK$6,811
baseline
▲ 0.50% · 4.625%
HK$7,170
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,622/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,468
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,700
−HK$236/mo
Today · 4.125%
HK$7,936
baseline
▲ 0.50% · 4.625%
HK$8,419
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,872/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,308
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$226/mo
Today · 4.125%
HK$8,757
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,514/mo (50% DSR)
Upfront cash ≈ HK$182K (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).