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$4,139
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,268
−HK$131/mo
Today · 4.125%
HK$4,399
baseline
▲ 0.50% · 4.625%
HK$4,666
+HK$267/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$8,798/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,605
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,728
−HK$126/mo
Today · 4.125%
HK$4,854
baseline
▲ 0.50% · 4.625%
HK$5,109
+HK$255/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$9,708/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,967
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,122
−HK$156/mo
Today · 4.125%
HK$5,278
baseline
▲ 0.50% · 4.625%
HK$5,600
+HK$322/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,556/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,526
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,674
−HK$150/mo
Today · 4.125%
HK$5,824
baseline
▲ 0.50% · 4.625%
HK$6,131
+HK$307/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,648/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,795
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,975
−HK$183/mo
Today · 4.125%
HK$6,158
baseline
▲ 0.50% · 4.625%
HK$6,533
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,316/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,447
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,620
−HK$175/mo
Today · 4.125%
HK$6,795
baseline
▲ 0.50% · 4.625%
HK$7,153
+HK$358/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,590/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,451
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$236/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$482/mo
Deposit HK$182K · loan HK$1.63M · min. income ≈ HK$15,836/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$8,289
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$225/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$461/mo
Deposit HK$182K · loan HK$1.63M · min. income ≈ HK$17,472/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).