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$4,079
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,206
−HK$129/mo
Today · 4.125%
HK$4,335
baseline
▲ 0.50% · 4.625%
HK$4,599
+HK$264/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$8,670/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,538
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,660
−HK$124/mo
Today · 4.125%
HK$4,784
baseline
▲ 0.50% · 4.625%
HK$5,036
+HK$252/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$9,568/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,895
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,048
−HK$154/mo
Today · 4.125%
HK$5,202
baseline
▲ 0.50% · 4.625%
HK$5,519
+HK$317/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$10,404/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,446
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,592
−HK$148/mo
Today · 4.125%
HK$5,740
baseline
▲ 0.50% · 4.625%
HK$6,043
+HK$303/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$11,480/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,711
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,889
−HK$180/mo
Today · 4.125%
HK$6,069
baseline
▲ 0.50% · 4.625%
HK$6,439
+HK$370/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,138/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$6,354
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$173/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,394/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$7,343
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,571
−HK$232/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,278
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,606/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$8,169
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$222/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,064
+HK$454/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,220/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).