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$4,116
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,244
−HK$130/mo
Today · 4.125%
HK$4,374
baseline
▲ 0.50% · 4.625%
HK$4,641
+HK$267/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$8,748/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$4,579
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,702
−HK$125/mo
Today · 4.125%
HK$4,827
baseline
▲ 0.50% · 4.625%
HK$5,081
+HK$254/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$9,654/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$4,940
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,093
−HK$156/mo
Today · 4.125%
HK$5,249
baseline
▲ 0.50% · 4.625%
HK$5,569
+HK$320/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,498/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,495
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$149/mo
Today · 4.125%
HK$5,792
baseline
▲ 0.50% · 4.625%
HK$6,097
+HK$305/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,584/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,763
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,942
−HK$182/mo
Today · 4.125%
HK$6,124
baseline
▲ 0.50% · 4.625%
HK$6,497
+HK$373/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$12,248/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$6,411
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,583
−HK$175/mo
Today · 4.125%
HK$6,758
baseline
▲ 0.50% · 4.625%
HK$7,114
+HK$356/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$13,516/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$7,409
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$234/mo
Today · 4.125%
HK$7,874
baseline
▲ 0.50% · 4.625%
HK$8,353
+HK$479/mo
Deposit HK$181K · loan HK$1.62M · min. income ≈ HK$15,748/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$8,243
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,464
−HK$224/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,146
+HK$458/mo
Deposit HK$181K · loan HK$1.62M · min. income ≈ HK$17,376/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).