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$4,141
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,270
−HK$130/mo
Today · 4.125%
HK$4,400
baseline
▲ 0.50% · 4.625%
HK$4,668
+HK$268/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$8,800/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,607
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,730
−HK$125/mo
Today · 4.125%
HK$4,855
baseline
▲ 0.50% · 4.625%
HK$5,111
+HK$256/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$9,710/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,969
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,123
−HK$158/mo
Today · 4.125%
HK$5,281
baseline
▲ 0.50% · 4.625%
HK$5,602
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,562/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,528
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,676
−HK$151/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$307/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,654/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,797
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,977
−HK$184/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$374/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,322/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,449
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,622
−HK$176/mo
Today · 4.125%
HK$6,798
baseline
▲ 0.50% · 4.625%
HK$7,156
+HK$358/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,596/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,453
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$236/mo
Today · 4.125%
HK$7,921
baseline
▲ 0.50% · 4.625%
HK$8,403
+HK$482/mo
Deposit HK$182K · loan HK$1.63M · min. income ≈ HK$15,842/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$8,292
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,514
−HK$226/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$460/mo
Deposit HK$182K · loan HK$1.63M · min. income ≈ HK$17,480/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).