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$4,158
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,287
−HK$132/mo
Today · 4.125%
HK$4,419
baseline
▲ 0.50% · 4.625%
HK$4,687
+HK$268/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$8,838/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,626
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,750
−HK$125/mo
Today · 4.125%
HK$4,875
baseline
▲ 0.50% · 4.625%
HK$5,132
+HK$257/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$9,750/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,989
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$157/mo
Today · 4.125%
HK$5,302
baseline
▲ 0.50% · 4.625%
HK$5,625
+HK$323/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,604/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,551
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$151/mo
Today · 4.125%
HK$5,851
baseline
▲ 0.50% · 4.625%
HK$6,159
+HK$308/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,702/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,821
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$184/mo
Today · 4.125%
HK$6,186
baseline
▲ 0.50% · 4.625%
HK$6,562
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,372/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,476
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,649
−HK$177/mo
Today · 4.125%
HK$6,826
baseline
▲ 0.50% · 4.625%
HK$7,185
+HK$359/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,652/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,484
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,717
−HK$236/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,906/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$8,326
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,549
−HK$227/mo
Today · 4.125%
HK$8,776
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,552/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).