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$4,150
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,279
−HK$131/mo
Today · 4.125%
HK$4,410
baseline
▲ 0.50% · 4.625%
HK$4,679
+HK$269/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$8,820/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,617
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,741
−HK$125/mo
Today · 4.125%
HK$4,866
baseline
▲ 0.50% · 4.625%
HK$5,123
+HK$257/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$9,732/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,980
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,135
−HK$157/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,614
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,584/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,540
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,689
−HK$151/mo
Today · 4.125%
HK$5,840
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$307/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,680/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,810
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,991
−HK$183/mo
Today · 4.125%
HK$6,174
baseline
▲ 0.50% · 4.625%
HK$6,550
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,348/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,464
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,637
−HK$176/mo
Today · 4.125%
HK$6,813
baseline
▲ 0.50% · 4.625%
HK$7,172
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,626/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,470
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$237/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,878/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$8,310
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$226/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,518/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).