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$4,201
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,331
−HK$133/mo
Today · 4.125%
HK$4,464
baseline
▲ 0.50% · 4.625%
HK$4,736
+HK$272/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,928/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,673
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,798
−HK$128/mo
Today · 4.125%
HK$4,926
baseline
▲ 0.50% · 4.625%
HK$5,185
+HK$259/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,852/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,041
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,197
−HK$160/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,683
+HK$326/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,714/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,608
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,758
−HK$153/mo
Today · 4.125%
HK$5,911
baseline
▲ 0.50% · 4.625%
HK$6,222
+HK$311/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,822/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,881
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,064
−HK$186/mo
Today · 4.125%
HK$6,250
baseline
▲ 0.50% · 4.625%
HK$6,630
+HK$380/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,500/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,542
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$178/mo
Today · 4.125%
HK$6,896
baseline
▲ 0.50% · 4.625%
HK$7,259
+HK$363/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,792/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,561
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$239/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,524
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,070/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,412
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$229/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,732/mo (50% DSR)
Upfront cash ≈ HK$184K (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).