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$4,060
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,186
−HK$128/mo
Today · 4.125%
HK$4,314
baseline
▲ 0.50% · 4.625%
HK$4,577
+HK$263/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,628/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,517
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$123/mo
Today · 4.125%
HK$4,761
baseline
▲ 0.50% · 4.625%
HK$5,011
+HK$250/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,522/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,023
−HK$154/mo
Today · 4.125%
HK$5,177
baseline
▲ 0.50% · 4.625%
HK$5,492
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,354/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,420
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,565
−HK$148/mo
Today · 4.125%
HK$5,713
baseline
▲ 0.50% · 4.625%
HK$6,014
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,426/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,684
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,861
−HK$179/mo
Today · 4.125%
HK$6,040
baseline
▲ 0.50% · 4.625%
HK$6,408
+HK$368/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,080/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,323
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$172/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,016
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,330/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,535
−HK$231/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,532/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,130
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$221/mo
Today · 4.125%
HK$8,569
baseline
▲ 0.50% · 4.625%
HK$9,021
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,138/mo (50% DSR)
Upfront cash ≈ HK$178K (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).