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$4,254
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,386
−HK$134/mo
Today · 4.125%
HK$4,520
baseline
▲ 0.50% · 4.625%
HK$4,795
+HK$275/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,040/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,732
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$129/mo
Today · 4.125%
HK$4,988
baseline
▲ 0.50% · 4.625%
HK$5,251
+HK$263/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,976/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,104
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,263
−HK$161/mo
Today · 4.125%
HK$5,424
baseline
▲ 0.50% · 4.625%
HK$5,755
+HK$331/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$10,848/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,679
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$154/mo
Today · 4.125%
HK$5,985
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$316/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$11,970/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,955
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,140
−HK$189/mo
Today · 4.125%
HK$6,329
baseline
▲ 0.50% · 4.625%
HK$6,714
+HK$385/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,658/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$6,625
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$180/mo
Today · 4.125%
HK$6,983
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$368/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,966/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$7,657
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,895
−HK$242/mo
Today · 4.125%
HK$8,137
baseline
▲ 0.50% · 4.625%
HK$8,632
+HK$495/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,274/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$8,518
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,746
−HK$232/mo
Today · 4.125%
HK$8,978
baseline
▲ 0.50% · 4.625%
HK$9,451
+HK$473/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,956/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).