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$4,047
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,173
−HK$128/mo
Today · 4.125%
HK$4,301
baseline
▲ 0.50% · 4.625%
HK$4,563
+HK$262/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$8,602/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$4,503
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,623
−HK$123/mo
Today · 4.125%
HK$4,746
baseline
▲ 0.50% · 4.625%
HK$4,996
+HK$250/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$9,492/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$4,857
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,008
−HK$153/mo
Today · 4.125%
HK$5,161
baseline
▲ 0.50% · 4.625%
HK$5,475
+HK$314/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$10,322/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,403
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,548
−HK$147/mo
Today · 4.125%
HK$5,695
baseline
▲ 0.50% · 4.625%
HK$5,995
+HK$300/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$11,390/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,666
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,842
−HK$180/mo
Today · 4.125%
HK$6,022
baseline
▲ 0.50% · 4.625%
HK$6,388
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,044/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$6,304
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,473
−HK$171/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,288/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$7,285
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$230/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,484/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$8,105
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,322
−HK$220/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$451/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,084/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).