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$4,105
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,233
−HK$130/mo
Today · 4.125%
HK$4,363
baseline
▲ 0.50% · 4.625%
HK$4,628
+HK$265/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$8,726/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,567
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,689
−HK$125/mo
Today · 4.125%
HK$4,814
baseline
▲ 0.50% · 4.625%
HK$5,067
+HK$253/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$9,628/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,926
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$156/mo
Today · 4.125%
HK$5,235
baseline
▲ 0.50% · 4.625%
HK$5,554
+HK$319/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$10,470/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,480
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,627
−HK$150/mo
Today · 4.125%
HK$5,777
baseline
▲ 0.50% · 4.625%
HK$6,081
+HK$304/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$11,554/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,747
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,926
−HK$182/mo
Today · 4.125%
HK$6,108
baseline
▲ 0.50% · 4.625%
HK$6,479
+HK$371/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$12,216/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,394
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,565
−HK$174/mo
Today · 4.125%
HK$6,739
baseline
▲ 0.50% · 4.625%
HK$7,094
+HK$355/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$13,478/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,389
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,619
−HK$234/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,331
+HK$478/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,706/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,221
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$224/mo
Today · 4.125%
HK$8,665
baseline
▲ 0.50% · 4.625%
HK$9,121
+HK$456/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,330/mo (50% DSR)
Upfront cash ≈ HK$180K (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).