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$4,043
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,168
−HK$128/mo
Today · 4.125%
HK$4,296
baseline
▲ 0.50% · 4.625%
HK$4,557
+HK$261/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,592/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,497
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,618
−HK$122/mo
Today · 4.125%
HK$4,740
baseline
▲ 0.50% · 4.625%
HK$4,990
+HK$250/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,480/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,851
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$153/mo
Today · 4.125%
HK$5,155
baseline
▲ 0.50% · 4.625%
HK$5,469
+HK$314/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,310/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,397
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,541
−HK$147/mo
Today · 4.125%
HK$5,688
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,376/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,660
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,836
−HK$178/mo
Today · 4.125%
HK$6,014
baseline
▲ 0.50% · 4.625%
HK$6,380
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,028/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,296
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,465
−HK$171/mo
Today · 4.125%
HK$6,636
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,272/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,277
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,503
−HK$230/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,203
+HK$470/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,466/mo (50% DSR)
Upfront cash ≈ HK$177K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,095
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$220/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,064/mo (50% DSR)
Upfront cash ≈ HK$177K (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).