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$4,031
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,156
−HK$128/mo
Today · 4.125%
HK$4,284
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$261/mo
Deposit HK$884K · loan HK$884K · min. income ≈ HK$8,568/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,485
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,605
−HK$122/mo
Today · 4.125%
HK$4,727
baseline
▲ 0.50% · 4.625%
HK$4,976
+HK$249/mo
Deposit HK$884K · loan HK$884K · min. income ≈ HK$9,454/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,837
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,988
−HK$153/mo
Today · 4.125%
HK$5,141
baseline
▲ 0.50% · 4.625%
HK$5,453
+HK$312/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$10,282/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,381
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,526
−HK$146/mo
Today · 4.125%
HK$5,672
baseline
▲ 0.50% · 4.625%
HK$5,971
+HK$299/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$11,344/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,644
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,819
−HK$178/mo
Today · 4.125%
HK$5,997
baseline
▲ 0.50% · 4.625%
HK$6,362
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,994/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,278
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$171/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$348/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,236/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,256
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,482
−HK$229/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,422/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$8,072
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$219/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$449/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,016/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).