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$4,242
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,374
−HK$134/mo
Today · 4.125%
HK$4,508
baseline
▲ 0.50% · 4.625%
HK$4,782
+HK$274/mo
Deposit HK$930K · loan HK$930K · min. income ≈ HK$9,016/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,719
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,845
−HK$129/mo
Today · 4.125%
HK$4,974
baseline
▲ 0.50% · 4.625%
HK$5,236
+HK$262/mo
Deposit HK$930K · loan HK$930K · min. income ≈ HK$9,948/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,090
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,248
−HK$161/mo
Today · 4.125%
HK$5,409
baseline
▲ 0.50% · 4.625%
HK$5,738
+HK$329/mo
Deposit HK$744K · loan HK$1.12M · min. income ≈ HK$10,818/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,663
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,814
−HK$155/mo
Today · 4.125%
HK$5,969
baseline
▲ 0.50% · 4.625%
HK$6,283
+HK$314/mo
Deposit HK$744K · loan HK$1.12M · min. income ≈ HK$11,938/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,938
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,123
−HK$188/mo
Today · 4.125%
HK$6,311
baseline
▲ 0.50% · 4.625%
HK$6,695
+HK$384/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$12,622/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$6,606
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,784
−HK$179/mo
Today · 4.125%
HK$6,963
baseline
▲ 0.50% · 4.625%
HK$7,330
+HK$367/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$13,926/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$7,635
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,873
−HK$241/mo
Today · 4.125%
HK$8,114
baseline
▲ 0.50% · 4.625%
HK$8,608
+HK$494/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,228/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$8,494
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$231/mo
Today · 4.125%
HK$8,953
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$472/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,906/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).