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$258/mo
▼ 0.25% · 3.875%
HK$4,247
−HK$130/mo
Today · 4.125%
HK$4,377
baseline
▲ 0.50% · 4.625%
HK$4,643
+HK$266/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$8,754/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$4,582
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,705
−HK$124/mo
Today · 4.125%
HK$4,829
baseline
▲ 0.50% · 4.625%
HK$5,084
+HK$255/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$9,658/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$4,942
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,096
−HK$156/mo
Today · 4.125%
HK$5,252
baseline
▲ 0.50% · 4.625%
HK$5,572
+HK$320/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,504/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$5,498
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,646
−HK$149/mo
Today · 4.125%
HK$5,795
baseline
▲ 0.50% · 4.625%
HK$6,101
+HK$306/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,590/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$5,766
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$183/mo
Today · 4.125%
HK$6,128
baseline
▲ 0.50% · 4.625%
HK$6,500
+HK$372/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$12,256/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$6,415
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,587
−HK$174/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,118
+HK$357/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$13,522/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$7,413
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$234/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,756/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$8,247
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$224/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,151
+HK$458/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,386/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).