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$4,248
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,380
−HK$134/mo
Today · 4.125%
HK$4,514
baseline
▲ 0.50% · 4.625%
HK$4,789
+HK$275/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,028/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,726
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,853
−HK$128/mo
Today · 4.125%
HK$4,981
baseline
▲ 0.50% · 4.625%
HK$5,244
+HK$263/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,962/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,098
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,256
−HK$161/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,747
+HK$330/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,834/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,671
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,823
−HK$154/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,292
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,954/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,947
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,132
−HK$188/mo
Today · 4.125%
HK$6,320
baseline
▲ 0.50% · 4.625%
HK$6,705
+HK$385/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,640/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,616
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$180/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,341
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,948/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,646
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$242/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,252/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,506
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$231/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,932/mo (50% DSR)
Upfront cash ≈ HK$186K (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).