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$4,127
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,256
−HK$130/mo
Today · 4.125%
HK$4,386
baseline
▲ 0.50% · 4.625%
HK$4,653
+HK$267/mo
Deposit HK$905K · loan HK$905K · min. income ≈ HK$8,772/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,591
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,715
−HK$124/mo
Today · 4.125%
HK$4,839
baseline
▲ 0.50% · 4.625%
HK$5,095
+HK$256/mo
Deposit HK$905K · loan HK$905K · min. income ≈ HK$9,678/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,953
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,107
−HK$156/mo
Today · 4.125%
HK$5,263
baseline
▲ 0.50% · 4.625%
HK$5,583
+HK$320/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$10,526/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,510
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,657
−HK$150/mo
Today · 4.125%
HK$5,807
baseline
▲ 0.50% · 4.625%
HK$6,113
+HK$306/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$11,614/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,778
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,958
−HK$182/mo
Today · 4.125%
HK$6,140
baseline
▲ 0.50% · 4.625%
HK$6,514
+HK$374/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$12,280/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,428
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,600
−HK$175/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$357/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$13,550/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,429
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,660
−HK$235/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,790/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,265
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$225/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,170
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,422/mo (50% DSR)
Upfront cash ≈ HK$181K (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).