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$4,006
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,131
−HK$127/mo
Today · 4.125%
HK$4,258
baseline
▲ 0.50% · 4.625%
HK$4,517
+HK$259/mo
Deposit HK$879K · loan HK$879K · min. income ≈ HK$8,516/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,457
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,577
−HK$121/mo
Today · 4.125%
HK$4,698
baseline
▲ 0.50% · 4.625%
HK$4,946
+HK$248/mo
Deposit HK$879K · loan HK$879K · min. income ≈ HK$9,396/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,808
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,957
−HK$152/mo
Today · 4.125%
HK$5,109
baseline
▲ 0.50% · 4.625%
HK$5,420
+HK$311/mo
Deposit HK$703K · loan HK$1.05M · min. income ≈ HK$10,218/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,349
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,492
−HK$146/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,935
+HK$297/mo
Deposit HK$703K · loan HK$1.05M · min. income ≈ HK$11,276/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,609
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,784
−HK$177/mo
Today · 4.125%
HK$5,961
baseline
▲ 0.50% · 4.625%
HK$6,324
+HK$363/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$11,922/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,240
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$170/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,924
+HK$347/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$13,154/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,212
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$228/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$466/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,328/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,023
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,238
−HK$218/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$446/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,912/mo (50% DSR)
Upfront cash ≈ HK$176K (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).