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$4,257
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,389
−HK$135/mo
Today · 4.125%
HK$4,524
baseline
▲ 0.50% · 4.625%
HK$4,799
+HK$275/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,048/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,736
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,863
−HK$128/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,255
+HK$264/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,982/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,108
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,267
−HK$161/mo
Today · 4.125%
HK$5,428
baseline
▲ 0.50% · 4.625%
HK$5,759
+HK$331/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$10,856/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,683
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$155/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,306
+HK$316/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$11,980/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,959
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,145
−HK$188/mo
Today · 4.125%
HK$6,333
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$386/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,666/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,630
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,808
−HK$180/mo
Today · 4.125%
HK$6,988
baseline
▲ 0.50% · 4.625%
HK$7,356
+HK$368/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,976/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,662
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,901
−HK$242/mo
Today · 4.125%
HK$8,143
baseline
▲ 0.50% · 4.625%
HK$8,638
+HK$495/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,286/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$8,524
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$232/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$473/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,970/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).