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$4,198
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,329
−HK$132/mo
Today · 4.125%
HK$4,461
baseline
▲ 0.50% · 4.625%
HK$4,733
+HK$272/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,922/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,670
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,796
−HK$127/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,182
+HK$259/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,846/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,038
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,194
−HK$160/mo
Today · 4.125%
HK$5,354
baseline
▲ 0.50% · 4.625%
HK$5,679
+HK$325/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,708/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,604
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,755
−HK$152/mo
Today · 4.125%
HK$5,907
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$312/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,814/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,877
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$186/mo
Today · 4.125%
HK$6,246
baseline
▲ 0.50% · 4.625%
HK$6,626
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,492/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$6,538
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,714
−HK$178/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,255
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,784/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$7,557
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$238/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,519
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,060/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$8,407
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$229/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,722/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).