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$4,084
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,211
−HK$129/mo
Today · 4.125%
HK$4,340
baseline
▲ 0.50% · 4.625%
HK$4,604
+HK$264/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$8,680/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,544
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,665
−HK$124/mo
Today · 4.125%
HK$4,789
baseline
▲ 0.50% · 4.625%
HK$5,042
+HK$253/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$9,578/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,901
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,053
−HK$155/mo
Today · 4.125%
HK$5,208
baseline
▲ 0.50% · 4.625%
HK$5,525
+HK$317/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$10,416/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,452
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,599
−HK$148/mo
Today · 4.125%
HK$5,747
baseline
▲ 0.50% · 4.625%
HK$6,050
+HK$303/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$11,494/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,718
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,896
−HK$180/mo
Today · 4.125%
HK$6,076
baseline
▲ 0.50% · 4.625%
HK$6,446
+HK$370/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,152/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,361
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,532
−HK$173/mo
Today · 4.125%
HK$6,705
baseline
▲ 0.50% · 4.625%
HK$7,058
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,410/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,352
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,580
−HK$233/mo
Today · 4.125%
HK$7,813
baseline
▲ 0.50% · 4.625%
HK$8,288
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,626/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,179
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,398
−HK$222/mo
Today · 4.125%
HK$8,620
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$455/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,240/mo (50% DSR)
Upfront cash ≈ HK$179K (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).