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$4,051
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,177
−HK$128/mo
Today · 4.125%
HK$4,305
baseline
▲ 0.50% · 4.625%
HK$4,567
+HK$262/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$8,610/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,507
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,628
−HK$122/mo
Today · 4.125%
HK$4,750
baseline
▲ 0.50% · 4.625%
HK$5,001
+HK$251/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$9,500/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,861
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,012
−HK$154/mo
Today · 4.125%
HK$5,166
baseline
▲ 0.50% · 4.625%
HK$5,480
+HK$314/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$10,332/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,408
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,553
−HK$147/mo
Today · 4.125%
HK$5,700
baseline
▲ 0.50% · 4.625%
HK$6,001
+HK$301/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$11,400/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,671
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,848
−HK$179/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,394
+HK$367/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$12,054/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,309
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,479
−HK$171/mo
Today · 4.125%
HK$6,650
baseline
▲ 0.50% · 4.625%
HK$7,001
+HK$351/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$13,300/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,292
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,519
−HK$230/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,498/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$8,112
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$220/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,100/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).