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$4,235
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,367
−HK$133/mo
Today · 4.125%
HK$4,500
baseline
▲ 0.50% · 4.625%
HK$4,774
+HK$274/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,000/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$4,711
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,838
−HK$128/mo
Today · 4.125%
HK$4,966
baseline
▲ 0.50% · 4.625%
HK$5,228
+HK$262/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,932/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$5,082
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,240
−HK$161/mo
Today · 4.125%
HK$5,401
baseline
▲ 0.50% · 4.625%
HK$5,729
+HK$328/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,802/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,653
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$154/mo
Today · 4.125%
HK$5,959
baseline
▲ 0.50% · 4.625%
HK$6,273
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,918/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,929
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,113
−HK$188/mo
Today · 4.125%
HK$6,301
baseline
▲ 0.50% · 4.625%
HK$6,684
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,602/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,596
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$179/mo
Today · 4.125%
HK$6,952
baseline
▲ 0.50% · 4.625%
HK$7,319
+HK$367/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,904/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,623
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$241/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,202/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$8,480
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,708
−HK$230/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,410
+HK$472/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,876/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).