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$4,100
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,228
−HK$130/mo
Today · 4.125%
HK$4,358
baseline
▲ 0.50% · 4.625%
HK$4,623
+HK$265/mo
Deposit HK$899K · loan HK$899K · min. income ≈ HK$8,716/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,562
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,684
−HK$124/mo
Today · 4.125%
HK$4,808
baseline
▲ 0.50% · 4.625%
HK$5,062
+HK$254/mo
Deposit HK$899K · loan HK$899K · min. income ≈ HK$9,616/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,921
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,074
−HK$155/mo
Today · 4.125%
HK$5,229
baseline
▲ 0.50% · 4.625%
HK$5,547
+HK$318/mo
Deposit HK$719K · loan HK$1.08M · min. income ≈ HK$10,458/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,474
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,621
−HK$149/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,074
+HK$304/mo
Deposit HK$719K · loan HK$1.08M · min. income ≈ HK$11,540/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,741
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$182/mo
Today · 4.125%
HK$6,101
baseline
▲ 0.50% · 4.625%
HK$6,472
+HK$371/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$12,202/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,386
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$174/mo
Today · 4.125%
HK$6,732
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$354/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$13,464/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,381
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$234/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,321
+HK$477/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,688/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,211
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$224/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$456/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,310/mo (50% DSR)
Upfront cash ≈ HK$180K (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).