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$4,153
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,282
−HK$132/mo
Today · 4.125%
HK$4,414
baseline
▲ 0.50% · 4.625%
HK$4,682
+HK$268/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$8,828/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$4,620
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,744
−HK$126/mo
Today · 4.125%
HK$4,870
baseline
▲ 0.50% · 4.625%
HK$5,127
+HK$257/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$9,740/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$4,984
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$157/mo
Today · 4.125%
HK$5,296
baseline
▲ 0.50% · 4.625%
HK$5,619
+HK$323/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,592/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$5,545
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$151/mo
Today · 4.125%
HK$5,844
baseline
▲ 0.50% · 4.625%
HK$6,152
+HK$308/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,688/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$5,815
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$184/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,555
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,358/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$6,469
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$176/mo
Today · 4.125%
HK$6,818
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,636/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$7,476
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$237/mo
Today · 4.125%
HK$7,945
baseline
▲ 0.50% · 4.625%
HK$8,428
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,890/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$8,317
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,540
−HK$226/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,532/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).