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$4,184
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,314
−HK$132/mo
Today · 4.125%
HK$4,446
baseline
▲ 0.50% · 4.625%
HK$4,717
+HK$271/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$8,892/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,655
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,780
−HK$126/mo
Today · 4.125%
HK$4,906
baseline
▲ 0.50% · 4.625%
HK$5,165
+HK$259/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$9,812/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,021
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,177
−HK$159/mo
Today · 4.125%
HK$5,336
baseline
▲ 0.50% · 4.625%
HK$5,660
+HK$324/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$10,672/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,586
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,735
−HK$152/mo
Today · 4.125%
HK$5,887
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$311/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$11,774/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,858
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,040
−HK$185/mo
Today · 4.125%
HK$6,225
baseline
▲ 0.50% · 4.625%
HK$6,604
+HK$379/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,450/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,517
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,691
−HK$178/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,231
+HK$362/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,738/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,531
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$238/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,490
+HK$487/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$16,006/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,378
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$228/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,297
+HK$466/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,662/mo (50% DSR)
Upfront cash ≈ HK$184K (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).