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$4,117
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,246
−HK$130/mo
Today · 4.125%
HK$4,376
baseline
▲ 0.50% · 4.625%
HK$4,642
+HK$266/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$8,752/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$4,581
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,703
−HK$125/mo
Today · 4.125%
HK$4,828
baseline
▲ 0.50% · 4.625%
HK$5,083
+HK$255/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$9,656/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$4,941
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,095
−HK$156/mo
Today · 4.125%
HK$5,251
baseline
▲ 0.50% · 4.625%
HK$5,570
+HK$319/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,502/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$5,497
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,644
−HK$150/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,099
+HK$305/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,588/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$5,764
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$182/mo
Today · 4.125%
HK$6,126
baseline
▲ 0.50% · 4.625%
HK$6,499
+HK$373/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$12,252/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$6,413
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$174/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$357/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$13,518/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$7,411
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,642
−HK$234/mo
Today · 4.125%
HK$7,876
baseline
▲ 0.50% · 4.625%
HK$8,355
+HK$479/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,752/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$8,245
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,466
−HK$225/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,149
+HK$458/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,382/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).