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$4,121
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,249
−HK$130/mo
Today · 4.125%
HK$4,379
baseline
▲ 0.50% · 4.625%
HK$4,646
+HK$267/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$8,758/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,585
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,707
−HK$125/mo
Today · 4.125%
HK$4,832
baseline
▲ 0.50% · 4.625%
HK$5,087
+HK$255/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$9,664/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,945
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,099
−HK$156/mo
Today · 4.125%
HK$5,255
baseline
▲ 0.50% · 4.625%
HK$5,575
+HK$320/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$10,510/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,501
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,649
−HK$150/mo
Today · 4.125%
HK$5,799
baseline
▲ 0.50% · 4.625%
HK$6,104
+HK$305/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$11,598/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,769
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$182/mo
Today · 4.125%
HK$6,131
baseline
▲ 0.50% · 4.625%
HK$6,504
+HK$373/mo
Deposit HK$542K · loan HK$1.27M · min. income ≈ HK$12,262/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,418
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$175/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$357/mo
Deposit HK$542K · loan HK$1.27M · min. income ≈ HK$13,530/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,418
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$235/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,766/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,252
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$225/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$458/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,396/mo (50% DSR)
Upfront cash ≈ HK$181K (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).