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$4,094
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,221
−HK$129/mo
Today · 4.125%
HK$4,350
baseline
▲ 0.50% · 4.625%
HK$4,615
+HK$265/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$8,700/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,554
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,676
−HK$124/mo
Today · 4.125%
HK$4,800
baseline
▲ 0.50% · 4.625%
HK$5,053
+HK$253/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$9,600/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,912
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,065
−HK$155/mo
Today · 4.125%
HK$5,220
baseline
▲ 0.50% · 4.625%
HK$5,538
+HK$318/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$10,440/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,465
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,611
−HK$149/mo
Today · 4.125%
HK$5,760
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$304/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$11,520/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,731
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,909
−HK$181/mo
Today · 4.125%
HK$6,090
baseline
▲ 0.50% · 4.625%
HK$6,461
+HK$371/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$12,180/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,376
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,547
−HK$173/mo
Today · 4.125%
HK$6,720
baseline
▲ 0.50% · 4.625%
HK$7,074
+HK$354/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$13,440/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,368
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$232/mo
Today · 4.125%
HK$7,830
baseline
▲ 0.50% · 4.625%
HK$8,307
+HK$477/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,660/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,197
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,417
−HK$223/mo
Today · 4.125%
HK$8,640
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$455/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,280/mo (50% DSR)
Upfront cash ≈ HK$180K (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).