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$4,274
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$135/mo
Today · 4.125%
HK$4,541
baseline
▲ 0.50% · 4.625%
HK$4,818
+HK$277/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,082/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,754
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,882
−HK$129/mo
Today · 4.125%
HK$5,011
baseline
▲ 0.50% · 4.625%
HK$5,275
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,022/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,128
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,288
−HK$162/mo
Today · 4.125%
HK$5,450
baseline
▲ 0.50% · 4.625%
HK$5,781
+HK$331/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$10,900/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,705
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$155/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,330
+HK$317/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$12,026/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,983
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,169
−HK$189/mo
Today · 4.125%
HK$6,358
baseline
▲ 0.50% · 4.625%
HK$6,745
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,716/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,656
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$182/mo
Today · 4.125%
HK$7,016
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$369/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,032/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,692
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$243/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,350/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,558
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,787
−HK$233/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,040/mo (50% DSR)
Upfront cash ≈ HK$188K (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).