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$4,263
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,395
−HK$135/mo
Today · 4.125%
HK$4,530
baseline
▲ 0.50% · 4.625%
HK$4,806
+HK$276/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,060/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,742
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,869
−HK$129/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,262
+HK$264/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,996/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,115
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$162/mo
Today · 4.125%
HK$5,436
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$331/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,872/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,691
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$155/mo
Today · 4.125%
HK$5,998
baseline
▲ 0.50% · 4.625%
HK$6,314
+HK$316/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$11,996/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,968
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,153
−HK$189/mo
Today · 4.125%
HK$6,342
baseline
▲ 0.50% · 4.625%
HK$6,728
+HK$386/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,684/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,639
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$181/mo
Today · 4.125%
HK$6,998
baseline
▲ 0.50% · 4.625%
HK$7,367
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$13,996/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,673
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$243/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,308/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,536
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$232/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,994/mo (50% DSR)
Upfront cash ≈ HK$187K (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).