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$4,050
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,176
−HK$128/mo
Today · 4.125%
HK$4,304
baseline
▲ 0.50% · 4.625%
HK$4,566
+HK$262/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$8,608/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$4,506
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,627
−HK$122/mo
Today · 4.125%
HK$4,749
baseline
▲ 0.50% · 4.625%
HK$5,000
+HK$251/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$9,498/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$4,860
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,012
−HK$153/mo
Today · 4.125%
HK$5,165
baseline
▲ 0.50% · 4.625%
HK$5,479
+HK$314/mo
Deposit HK$710K · loan HK$1.07M · min. income ≈ HK$10,330/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$5,407
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$147/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$6,000
+HK$301/mo
Deposit HK$710K · loan HK$1.07M · min. income ≈ HK$11,398/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$5,670
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,847
−HK$179/mo
Today · 4.125%
HK$6,026
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$367/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$12,052/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$6,308
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$172/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$7,000
+HK$351/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$13,298/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$7,291
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$231/mo
Today · 4.125%
HK$7,748
baseline
▲ 0.50% · 4.625%
HK$8,219
+HK$471/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,496/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$8,111
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$221/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$8,999
+HK$450/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,098/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).