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$4,124
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,252
−HK$130/mo
Today · 4.125%
HK$4,382
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$267/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$8,764/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,588
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$125/mo
Today · 4.125%
HK$4,836
baseline
▲ 0.50% · 4.625%
HK$5,091
+HK$255/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$9,672/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,949
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,103
−HK$156/mo
Today · 4.125%
HK$5,259
baseline
▲ 0.50% · 4.625%
HK$5,579
+HK$320/mo
Deposit HK$723K · loan HK$1.09M · min. income ≈ HK$10,518/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,505
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,653
−HK$150/mo
Today · 4.125%
HK$5,803
baseline
▲ 0.50% · 4.625%
HK$6,109
+HK$306/mo
Deposit HK$723K · loan HK$1.09M · min. income ≈ HK$11,606/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,773
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,953
−HK$182/mo
Today · 4.125%
HK$6,135
baseline
▲ 0.50% · 4.625%
HK$6,509
+HK$374/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$12,270/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,423
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,595
−HK$175/mo
Today · 4.125%
HK$6,770
baseline
▲ 0.50% · 4.625%
HK$7,127
+HK$357/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$13,540/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,423
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$234/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,776/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,258
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$225/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,408/mo (50% DSR)
Upfront cash ≈ HK$181K (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).