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$4,064
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,191
−HK$128/mo
Today · 4.125%
HK$4,319
baseline
▲ 0.50% · 4.625%
HK$4,582
+HK$263/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$8,638/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,522
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,643
−HK$123/mo
Today · 4.125%
HK$4,766
baseline
▲ 0.50% · 4.625%
HK$5,017
+HK$251/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$9,532/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,877
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,029
−HK$154/mo
Today · 4.125%
HK$5,183
baseline
▲ 0.50% · 4.625%
HK$5,499
+HK$316/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$10,366/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,426
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,572
−HK$147/mo
Today · 4.125%
HK$5,719
baseline
▲ 0.50% · 4.625%
HK$6,021
+HK$302/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$11,438/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,690
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,867
−HK$180/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,415
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,094/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,330
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$172/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,344/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,316
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$231/mo
Today · 4.125%
HK$7,775
baseline
▲ 0.50% · 4.625%
HK$8,248
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,550/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$8,139
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$222/mo
Today · 4.125%
HK$8,579
baseline
▲ 0.50% · 4.625%
HK$9,031
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,158/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).