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$4,273
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$135/mo
Today · 4.125%
HK$4,541
baseline
▲ 0.50% · 4.625%
HK$4,817
+HK$276/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,082/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,754
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,881
−HK$129/mo
Today · 4.125%
HK$5,010
baseline
▲ 0.50% · 4.625%
HK$5,274
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,020/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,127
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,287
−HK$162/mo
Today · 4.125%
HK$5,449
baseline
▲ 0.50% · 4.625%
HK$5,781
+HK$332/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$10,898/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,704
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,857
−HK$155/mo
Today · 4.125%
HK$6,012
baseline
▲ 0.50% · 4.625%
HK$6,329
+HK$317/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$12,024/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,982
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,168
−HK$189/mo
Today · 4.125%
HK$6,357
baseline
▲ 0.50% · 4.625%
HK$6,744
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,714/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$6,655
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$182/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,384
+HK$369/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,030/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$7,691
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$244/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,348/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$8,556
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$233/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,494
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,038/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).