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$4,222
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,354
−HK$133/mo
Today · 4.125%
HK$4,487
baseline
▲ 0.50% · 4.625%
HK$4,760
+HK$273/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$8,974/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,697
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,823
−HK$128/mo
Today · 4.125%
HK$4,951
baseline
▲ 0.50% · 4.625%
HK$5,212
+HK$261/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$9,902/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,067
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,224
−HK$161/mo
Today · 4.125%
HK$5,385
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$327/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$10,770/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,637
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,788
−HK$153/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,254
+HK$313/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$11,882/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,911
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,095
−HK$187/mo
Today · 4.125%
HK$6,282
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$382/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$12,564/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,576
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$178/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$366/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$13,862/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,600
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$240/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,568
+HK$491/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,154/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$8,455
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,682
−HK$230/mo
Today · 4.125%
HK$8,912
baseline
▲ 0.50% · 4.625%
HK$9,382
+HK$470/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,824/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).