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$4,057
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,183
−HK$129/mo
Today · 4.125%
HK$4,312
baseline
▲ 0.50% · 4.625%
HK$4,574
+HK$262/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,624/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$4,514
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,635
−HK$123/mo
Today · 4.125%
HK$4,758
baseline
▲ 0.50% · 4.625%
HK$5,008
+HK$250/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,516/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$4,869
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,020
−HK$154/mo
Today · 4.125%
HK$5,174
baseline
▲ 0.50% · 4.625%
HK$5,489
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,348/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$5,416
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,562
−HK$147/mo
Today · 4.125%
HK$5,709
baseline
▲ 0.50% · 4.625%
HK$6,010
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,418/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$5,680
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,857
−HK$179/mo
Today · 4.125%
HK$6,036
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$368/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,072/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$6,319
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$172/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,012
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,322/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$7,303
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$231/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,522/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$8,125
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$222/mo
Today · 4.125%
HK$8,564
baseline
▲ 0.50% · 4.625%
HK$9,015
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,128/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).