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$4,113
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,241
−HK$130/mo
Today · 4.125%
HK$4,371
baseline
▲ 0.50% · 4.625%
HK$4,637
+HK$266/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$8,742/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,576
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,699
−HK$124/mo
Today · 4.125%
HK$4,823
baseline
▲ 0.50% · 4.625%
HK$5,078
+HK$255/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$9,646/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,936
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$156/mo
Today · 4.125%
HK$5,246
baseline
▲ 0.50% · 4.625%
HK$5,565
+HK$319/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,492/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,491
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,639
−HK$149/mo
Today · 4.125%
HK$5,788
baseline
▲ 0.50% · 4.625%
HK$6,093
+HK$305/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,576/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,759
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,938
−HK$182/mo
Today · 4.125%
HK$6,120
baseline
▲ 0.50% · 4.625%
HK$6,492
+HK$372/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$12,240/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,407
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,578
−HK$175/mo
Today · 4.125%
HK$6,753
baseline
▲ 0.50% · 4.625%
HK$7,109
+HK$356/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$13,506/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,404
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,634
−HK$234/mo
Today · 4.125%
HK$7,868
baseline
▲ 0.50% · 4.625%
HK$8,347
+HK$479/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,736/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,237
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$224/mo
Today · 4.125%
HK$8,682
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$458/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,364/mo (50% DSR)
Upfront cash ≈ HK$180K (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).