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$4,197
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,327
−HK$133/mo
Today · 4.125%
HK$4,460
baseline
▲ 0.50% · 4.625%
HK$4,731
+HK$271/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$8,920/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$4,669
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$127/mo
Today · 4.125%
HK$4,921
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$260/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$9,842/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$5,036
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,193
−HK$159/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$326/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,704/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$5,603
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$152/mo
Today · 4.125%
HK$5,905
baseline
▲ 0.50% · 4.625%
HK$6,217
+HK$312/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,810/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$5,875
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$186/mo
Today · 4.125%
HK$6,244
baseline
▲ 0.50% · 4.625%
HK$6,624
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,488/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$6,536
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,712
−HK$178/mo
Today · 4.125%
HK$6,890
baseline
▲ 0.50% · 4.625%
HK$7,253
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,780/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$7,554
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$239/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$488/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,056/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$8,404
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$229/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,716/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).