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$4,234
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,366
−HK$133/mo
Today · 4.125%
HK$4,499
baseline
▲ 0.50% · 4.625%
HK$4,773
+HK$274/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$8,998/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,710
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,836
−HK$129/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,226
+HK$261/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$9,930/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,081
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$160/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,728
+HK$329/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,798/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,652
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,804
−HK$154/mo
Today · 4.125%
HK$5,958
baseline
▲ 0.50% · 4.625%
HK$6,272
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,916/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,927
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,112
−HK$187/mo
Today · 4.125%
HK$6,299
baseline
▲ 0.50% · 4.625%
HK$6,682
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,598/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,594
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,771
−HK$179/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,317
+HK$367/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,900/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,621
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$241/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,198/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$230/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$471/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,872/mo (50% DSR)
Upfront cash ≈ HK$186K (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).