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$4,138
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,267
−HK$130/mo
Today · 4.125%
HK$4,397
baseline
▲ 0.50% · 4.625%
HK$4,665
+HK$268/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$8,794/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,603
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,727
−HK$125/mo
Today · 4.125%
HK$4,852
baseline
▲ 0.50% · 4.625%
HK$5,108
+HK$256/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$9,704/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,966
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,120
−HK$157/mo
Today · 4.125%
HK$5,277
baseline
▲ 0.50% · 4.625%
HK$5,598
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,554/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,524
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$151/mo
Today · 4.125%
HK$5,823
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$306/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,646/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,793
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$183/mo
Today · 4.125%
HK$6,156
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$375/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,312/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,445
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$175/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$358/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,586/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,448
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$235/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$482/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,830/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$8,286
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$226/mo
Today · 4.125%
HK$8,734
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,468/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).