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$4,088
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,215
−HK$129/mo
Today · 4.125%
HK$4,344
baseline
▲ 0.50% · 4.625%
HK$4,609
+HK$265/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$8,688/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$4,548
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,670
−HK$123/mo
Today · 4.125%
HK$4,793
baseline
▲ 0.50% · 4.625%
HK$5,046
+HK$253/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$9,586/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$4,906
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,058
−HK$155/mo
Today · 4.125%
HK$5,213
baseline
▲ 0.50% · 4.625%
HK$5,530
+HK$317/mo
Deposit HK$717K · loan HK$1.08M · min. income ≈ HK$10,426/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$5,457
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,604
−HK$148/mo
Today · 4.125%
HK$5,752
baseline
▲ 0.50% · 4.625%
HK$6,055
+HK$303/mo
Deposit HK$717K · loan HK$1.08M · min. income ≈ HK$11,504/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$5,723
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$181/mo
Today · 4.125%
HK$6,082
baseline
▲ 0.50% · 4.625%
HK$6,452
+HK$370/mo
Deposit HK$538K · loan HK$1.25M · min. income ≈ HK$12,164/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,367
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$173/mo
Today · 4.125%
HK$6,711
baseline
▲ 0.50% · 4.625%
HK$7,065
+HK$354/mo
Deposit HK$538K · loan HK$1.25M · min. income ≈ HK$13,422/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,358
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$233/mo
Today · 4.125%
HK$7,820
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,640/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$8,186
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,406
−HK$222/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,083
+HK$455/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,256/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).