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$4,169
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,299
−HK$132/mo
Today · 4.125%
HK$4,431
baseline
▲ 0.50% · 4.625%
HK$4,701
+HK$270/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$8,862/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,639
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,763
−HK$126/mo
Today · 4.125%
HK$4,889
baseline
▲ 0.50% · 4.625%
HK$5,147
+HK$258/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$9,778/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,003
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,159
−HK$158/mo
Today · 4.125%
HK$5,317
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$324/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$10,634/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,566
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,716
−HK$151/mo
Today · 4.125%
HK$5,867
baseline
▲ 0.50% · 4.625%
HK$6,176
+HK$309/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$11,734/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,837
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,019
−HK$184/mo
Today · 4.125%
HK$6,203
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$378/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,406/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,494
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$177/mo
Today · 4.125%
HK$6,845
baseline
▲ 0.50% · 4.625%
HK$7,206
+HK$361/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,690/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,505
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$237/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,461
+HK$485/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,952/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,349
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,573
−HK$227/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,600/mo (50% DSR)
Upfront cash ≈ HK$183K (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).