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$4,238
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,370
−HK$134/mo
Today · 4.125%
HK$4,504
baseline
▲ 0.50% · 4.625%
HK$4,778
+HK$274/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,008/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$4,715
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,841
−HK$129/mo
Today · 4.125%
HK$4,970
baseline
▲ 0.50% · 4.625%
HK$5,231
+HK$261/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,940/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$5,086
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,244
−HK$161/mo
Today · 4.125%
HK$5,405
baseline
▲ 0.50% · 4.625%
HK$5,733
+HK$328/mo
Deposit HK$743K · loan HK$1.12M · min. income ≈ HK$10,810/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$5,658
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,810
−HK$153/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,278
+HK$315/mo
Deposit HK$743K · loan HK$1.12M · min. income ≈ HK$11,926/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$5,933
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,118
−HK$187/mo
Today · 4.125%
HK$6,305
baseline
▲ 0.50% · 4.625%
HK$6,689
+HK$384/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$12,610/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$6,601
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,778
−HK$179/mo
Today · 4.125%
HK$6,957
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$367/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$13,914/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$7,629
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$241/mo
Today · 4.125%
HK$8,107
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,214/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$8,487
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$231/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,417
+HK$472/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,890/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).