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$4,156
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,285
−HK$132/mo
Today · 4.125%
HK$4,417
baseline
▲ 0.50% · 4.625%
HK$4,685
+HK$268/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$8,834/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,623
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,747
−HK$126/mo
Today · 4.125%
HK$4,873
baseline
▲ 0.50% · 4.625%
HK$5,130
+HK$257/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$9,746/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,987
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$158/mo
Today · 4.125%
HK$5,300
baseline
▲ 0.50% · 4.625%
HK$5,622
+HK$322/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,600/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,548
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$151/mo
Today · 4.125%
HK$5,848
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$308/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,696/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,818
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$184/mo
Today · 4.125%
HK$6,183
baseline
▲ 0.50% · 4.625%
HK$6,559
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,366/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,473
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,646
−HK$177/mo
Today · 4.125%
HK$6,823
baseline
▲ 0.50% · 4.625%
HK$7,182
+HK$359/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,646/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,481
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$237/mo
Today · 4.125%
HK$7,950
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,900/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,322
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$227/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,544/mo (50% DSR)
Upfront cash ≈ HK$182K (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).