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$4,062
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,189
−HK$128/mo
Today · 4.125%
HK$4,317
baseline
▲ 0.50% · 4.625%
HK$4,580
+HK$263/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$8,634/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,519
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,640
−HK$123/mo
Today · 4.125%
HK$4,763
baseline
▲ 0.50% · 4.625%
HK$5,015
+HK$252/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$9,526/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,875
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,026
−HK$154/mo
Today · 4.125%
HK$5,180
baseline
▲ 0.50% · 4.625%
HK$5,496
+HK$316/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$10,360/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,423
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,569
−HK$147/mo
Today · 4.125%
HK$5,716
baseline
▲ 0.50% · 4.625%
HK$6,017
+HK$301/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$11,432/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,687
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,864
−HK$180/mo
Today · 4.125%
HK$6,044
baseline
▲ 0.50% · 4.625%
HK$6,412
+HK$368/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,088/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,327
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,497
−HK$172/mo
Today · 4.125%
HK$6,669
baseline
▲ 0.50% · 4.625%
HK$7,020
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,338/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,312
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,540
−HK$231/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,243
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,542/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,135
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$221/mo
Today · 4.125%
HK$8,574
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,148/mo (50% DSR)
Upfront cash ≈ HK$178K (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).