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$4,058
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,184
−HK$128/mo
Today · 4.125%
HK$4,312
baseline
▲ 0.50% · 4.625%
HK$4,575
+HK$263/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,624/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,514
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,635
−HK$123/mo
Today · 4.125%
HK$4,758
baseline
▲ 0.50% · 4.625%
HK$5,009
+HK$251/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,516/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,870
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,021
−HK$154/mo
Today · 4.125%
HK$5,175
baseline
▲ 0.50% · 4.625%
HK$5,490
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,350/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,417
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,563
−HK$147/mo
Today · 4.125%
HK$5,710
baseline
▲ 0.50% · 4.625%
HK$6,011
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,420/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,681
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$179/mo
Today · 4.125%
HK$6,037
baseline
▲ 0.50% · 4.625%
HK$6,405
+HK$368/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,074/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,320
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,490
−HK$172/mo
Today · 4.125%
HK$6,662
baseline
▲ 0.50% · 4.625%
HK$7,013
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,324/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,304
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,531
−HK$231/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,524/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$8,126
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$221/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,016
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,130/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).