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$4,202
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,333
−HK$133/mo
Today · 4.125%
HK$4,466
baseline
▲ 0.50% · 4.625%
HK$4,737
+HK$271/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,932/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,675
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,800
−HK$127/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,187
+HK$260/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,854/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,043
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,200
−HK$159/mo
Today · 4.125%
HK$5,359
baseline
▲ 0.50% · 4.625%
HK$5,685
+HK$326/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,718/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$5,610
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$153/mo
Today · 4.125%
HK$5,913
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$312/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,826/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$5,883
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$186/mo
Today · 4.125%
HK$6,252
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$380/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,504/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$6,545
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$178/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$364/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,796/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$7,564
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$239/mo
Today · 4.125%
HK$8,038
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,076/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$8,415
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$228/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,337
+HK$468/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,738/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).