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$4,042
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,168
−HK$127/mo
Today · 4.125%
HK$4,295
baseline
▲ 0.50% · 4.625%
HK$4,557
+HK$262/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,590/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,496
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,617
−HK$122/mo
Today · 4.125%
HK$4,739
baseline
▲ 0.50% · 4.625%
HK$4,989
+HK$250/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,478/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,850
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,001
−HK$153/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,468
+HK$314/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,308/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$5,396
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$147/mo
Today · 4.125%
HK$5,687
baseline
▲ 0.50% · 4.625%
HK$5,987
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,374/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$5,658
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$178/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,379
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,026/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$6,295
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,464
−HK$171/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,270/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$7,275
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,502
−HK$229/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,462/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$8,094
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$220/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$8,981
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,062/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).