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$4,197
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,328
−HK$133/mo
Today · 4.125%
HK$4,461
baseline
▲ 0.50% · 4.625%
HK$4,732
+HK$271/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$8,922/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,670
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,795
−HK$127/mo
Today · 4.125%
HK$4,922
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$259/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$9,844/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,037
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,194
−HK$159/mo
Today · 4.125%
HK$5,353
baseline
▲ 0.50% · 4.625%
HK$5,679
+HK$326/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,706/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,604
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,754
−HK$152/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,218
+HK$312/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,812/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,876
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,059
−HK$186/mo
Today · 4.125%
HK$6,245
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,490/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,538
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$178/mo
Today · 4.125%
HK$6,891
baseline
▲ 0.50% · 4.625%
HK$7,254
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,782/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,555
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,790
−HK$239/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,058/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,405
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$228/mo
Today · 4.125%
HK$8,859
baseline
▲ 0.50% · 4.625%
HK$9,326
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,718/mo (50% DSR)
Upfront cash ≈ HK$184K (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).