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$4,041
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$128/mo
Today · 4.125%
HK$4,295
baseline
▲ 0.50% · 4.625%
HK$4,556
+HK$261/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$4,616
−HK$123/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$4,849
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$154/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$313/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$5,395
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$146/mo
Today · 4.125%
HK$5,686
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,372/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$5,834
−HK$179/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,378
+HK$365/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$6,294
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$171/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$6,984
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,268/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$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,460/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$8,092
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,310
−HK$220/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$449/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,060/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).