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$4,268
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,401
−HK$135/mo
Today · 4.125%
HK$4,536
baseline
▲ 0.50% · 4.625%
HK$4,812
+HK$276/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$9,072/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,748
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,876
−HK$129/mo
Today · 4.125%
HK$5,005
baseline
▲ 0.50% · 4.625%
HK$5,269
+HK$264/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$10,010/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,122
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,281
−HK$162/mo
Today · 4.125%
HK$5,443
baseline
▲ 0.50% · 4.625%
HK$5,774
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,886/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,698
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,851
−HK$155/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,322
+HK$316/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,012/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,975
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,161
−HK$189/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,736
+HK$386/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,700/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,647
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$181/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,376
+HK$369/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,683
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$242/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,661
+HK$497/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,328/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,547
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,776
−HK$232/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$475/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$18,016/mo (50% DSR)
Upfront cash ≈ HK$187K (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).