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$4,154
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,283
−HK$132/mo
Today · 4.125%
HK$4,415
baseline
▲ 0.50% · 4.625%
HK$4,683
+HK$268/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$8,830/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,621
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,745
−HK$126/mo
Today · 4.125%
HK$4,871
baseline
▲ 0.50% · 4.625%
HK$5,128
+HK$257/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$9,742/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,985
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,140
−HK$157/mo
Today · 4.125%
HK$5,297
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$323/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,594/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,546
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$151/mo
Today · 4.125%
HK$5,845
baseline
▲ 0.50% · 4.625%
HK$6,153
+HK$308/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,690/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,816
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,997
−HK$183/mo
Today · 4.125%
HK$6,180
baseline
▲ 0.50% · 4.625%
HK$6,556
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,360/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,470
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,643
−HK$176/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,179
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,638/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,477
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$236/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,430
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,892/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,318
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,542
−HK$226/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,230
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,536/mo (50% DSR)
Upfront cash ≈ HK$182K (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).