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$4,028
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,153
−HK$127/mo
Today · 4.125%
HK$4,280
baseline
▲ 0.50% · 4.625%
HK$4,541
+HK$261/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$8,560/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,481
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,601
−HK$122/mo
Today · 4.125%
HK$4,723
baseline
▲ 0.50% · 4.625%
HK$4,972
+HK$249/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$9,446/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,833
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$153/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$313/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$10,272/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$5,377
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,521
−HK$146/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$299/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$11,334/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$5,639
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,814
−HK$178/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,357
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,984/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$6,273
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$171/mo
Today · 4.125%
HK$6,612
baseline
▲ 0.50% · 4.625%
HK$6,960
+HK$348/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,224/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$7,250
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$229/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,408/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$8,065
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$220/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,002/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).