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$4,271
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,403
−HK$135/mo
Today · 4.125%
HK$4,538
baseline
▲ 0.50% · 4.625%
HK$4,815
+HK$277/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$9,076/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,751
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,878
−HK$130/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,272
+HK$264/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$10,016/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,125
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,284
−HK$162/mo
Today · 4.125%
HK$5,446
baseline
▲ 0.50% · 4.625%
HK$5,777
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,892/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,701
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,854
−HK$155/mo
Today · 4.125%
HK$6,009
baseline
▲ 0.50% · 4.625%
HK$6,326
+HK$317/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,018/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,979
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$189/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,740
+HK$386/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,708/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,651
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$181/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,380
+HK$369/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,022/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,687
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$243/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,338/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,552
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$233/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,489
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,028/mo (50% DSR)
Upfront cash ≈ HK$187K (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).