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$4,119
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,247
−HK$131/mo
Today · 4.125%
HK$4,378
baseline
▲ 0.50% · 4.625%
HK$4,644
+HK$266/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$8,756/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,583
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,706
−HK$124/mo
Today · 4.125%
HK$4,830
baseline
▲ 0.50% · 4.625%
HK$5,085
+HK$255/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$9,660/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,943
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,097
−HK$156/mo
Today · 4.125%
HK$5,253
baseline
▲ 0.50% · 4.625%
HK$5,573
+HK$320/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$10,506/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,499
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,647
−HK$149/mo
Today · 4.125%
HK$5,796
baseline
▲ 0.50% · 4.625%
HK$6,102
+HK$306/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$11,592/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,767
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,946
−HK$183/mo
Today · 4.125%
HK$6,129
baseline
▲ 0.50% · 4.625%
HK$6,502
+HK$373/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$12,258/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,416
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,588
−HK$174/mo
Today · 4.125%
HK$6,762
baseline
▲ 0.50% · 4.625%
HK$7,119
+HK$357/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$13,524/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,415
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$235/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,359
+HK$479/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,760/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$8,249
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$225/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$458/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,390/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).