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$4,019
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,144
−HK$127/mo
Today · 4.125%
HK$4,271
baseline
▲ 0.50% · 4.625%
HK$4,531
+HK$260/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$8,542/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,471
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,591
−HK$121/mo
Today · 4.125%
HK$4,712
baseline
▲ 0.50% · 4.625%
HK$4,961
+HK$249/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$9,424/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,822
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,972
−HK$153/mo
Today · 4.125%
HK$5,125
baseline
▲ 0.50% · 4.625%
HK$5,437
+HK$312/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$10,250/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,365
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$146/mo
Today · 4.125%
HK$5,655
baseline
▲ 0.50% · 4.625%
HK$5,953
+HK$298/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$11,310/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,626
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,801
−HK$178/mo
Today · 4.125%
HK$5,979
baseline
▲ 0.50% · 4.625%
HK$6,343
+HK$364/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$11,958/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,259
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$170/mo
Today · 4.125%
HK$6,597
baseline
▲ 0.50% · 4.625%
HK$6,945
+HK$348/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$13,194/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,234
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$228/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,155
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,374/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$8,047
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,263
−HK$219/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,964/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).