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$4,194
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,325
−HK$132/mo
Today · 4.125%
HK$4,457
baseline
▲ 0.50% · 4.625%
HK$4,728
+HK$271/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$8,914/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,666
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,791
−HK$127/mo
Today · 4.125%
HK$4,918
baseline
▲ 0.50% · 4.625%
HK$5,177
+HK$259/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$9,836/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,033
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,190
−HK$159/mo
Today · 4.125%
HK$5,349
baseline
▲ 0.50% · 4.625%
HK$5,674
+HK$325/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,698/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,599
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,749
−HK$153/mo
Today · 4.125%
HK$5,902
baseline
▲ 0.50% · 4.625%
HK$6,213
+HK$311/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,804/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,872
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,055
−HK$185/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,620
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,480/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,532
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,708
−HK$177/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,770/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,550
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,784
−HK$239/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$488/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,046/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,399
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$229/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$466/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,706/mo (50% DSR)
Upfront cash ≈ HK$184K (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).