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$4,215
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,346
−HK$133/mo
Today · 4.125%
HK$4,479
baseline
▲ 0.50% · 4.625%
HK$4,752
+HK$273/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$8,958/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,689
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,815
−HK$127/mo
Today · 4.125%
HK$4,942
baseline
▲ 0.50% · 4.625%
HK$5,203
+HK$261/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$9,884/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,058
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,215
−HK$160/mo
Today · 4.125%
HK$5,375
baseline
▲ 0.50% · 4.625%
HK$5,702
+HK$327/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$10,750/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,627
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$153/mo
Today · 4.125%
HK$5,931
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$313/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$11,862/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,901
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,084
−HK$187/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,653
+HK$382/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$12,542/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,565
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$178/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$365/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$13,838/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,587
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$240/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$490/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,126/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$229/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$469/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,792/mo (50% DSR)
Upfront cash ≈ HK$185K (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).