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$4,215
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,347
−HK$133/mo
Today · 4.125%
HK$4,480
baseline
▲ 0.50% · 4.625%
HK$4,752
+HK$272/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$8,960/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,690
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,815
−HK$128/mo
Today · 4.125%
HK$4,943
baseline
▲ 0.50% · 4.625%
HK$5,204
+HK$261/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$9,886/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,058
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,216
−HK$160/mo
Today · 4.125%
HK$5,376
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$327/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$10,752/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,628
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$154/mo
Today · 4.125%
HK$5,932
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$312/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$11,864/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,902
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,085
−HK$187/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,653
+HK$381/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$12,544/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,565
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,742
−HK$178/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,285
+HK$365/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$13,840/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$240/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,554
+HK$490/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,128/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,441
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$229/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$469/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,794/mo (50% DSR)
Upfront cash ≈ HK$185K (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).