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$4,066
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,193
−HK$128/mo
Today · 4.125%
HK$4,321
baseline
▲ 0.50% · 4.625%
HK$4,584
+HK$263/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$8,642/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,524
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,645
−HK$123/mo
Today · 4.125%
HK$4,768
baseline
▲ 0.50% · 4.625%
HK$5,019
+HK$251/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$9,536/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,880
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$155/mo
Today · 4.125%
HK$5,186
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$315/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$10,372/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$5,428
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,574
−HK$148/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$301/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$11,444/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$5,693
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,870
−HK$180/mo
Today · 4.125%
HK$6,050
baseline
▲ 0.50% · 4.625%
HK$6,418
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,100/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$6,333
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,503
−HK$172/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,350/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$7,319
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$231/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$474/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,556/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$8,143
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,361
−HK$222/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,166/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).