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$4,237
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,369
−HK$134/mo
Today · 4.125%
HK$4,503
baseline
▲ 0.50% · 4.625%
HK$4,777
+HK$274/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,006/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,714
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,841
−HK$128/mo
Today · 4.125%
HK$4,969
baseline
▲ 0.50% · 4.625%
HK$5,231
+HK$262/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,938/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,085
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,243
−HK$161/mo
Today · 4.125%
HK$5,404
baseline
▲ 0.50% · 4.625%
HK$5,733
+HK$329/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,808/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,657
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$154/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,277
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,926/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,932
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,117
−HK$187/mo
Today · 4.125%
HK$6,304
baseline
▲ 0.50% · 4.625%
HK$6,688
+HK$384/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,608/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,600
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,777
−HK$179/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,323
+HK$367/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,912/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,627
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$241/mo
Today · 4.125%
HK$8,106
baseline
▲ 0.50% · 4.625%
HK$8,599
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,212/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,485
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$231/mo
Today · 4.125%
HK$8,944
baseline
▲ 0.50% · 4.625%
HK$9,415
+HK$471/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,888/mo (50% DSR)
Upfront cash ≈ HK$186K (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).