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$4,091
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,218
−HK$130/mo
Today · 4.125%
HK$4,348
baseline
▲ 0.50% · 4.625%
HK$4,612
+HK$264/mo
Deposit HK$897K · loan HK$897K · min. income ≈ HK$8,696/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,551
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,673
−HK$124/mo
Today · 4.125%
HK$4,797
baseline
▲ 0.50% · 4.625%
HK$5,050
+HK$253/mo
Deposit HK$897K · loan HK$897K · min. income ≈ HK$9,594/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,909
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$155/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,535
+HK$318/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$10,434/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,462
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,608
−HK$149/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,060
+HK$303/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$11,514/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,727
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$181/mo
Today · 4.125%
HK$6,087
baseline
▲ 0.50% · 4.625%
HK$6,457
+HK$370/mo
Deposit HK$538K · loan HK$1.26M · min. income ≈ HK$12,174/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$6,372
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,543
−HK$173/mo
Today · 4.125%
HK$6,716
baseline
▲ 0.50% · 4.625%
HK$7,070
+HK$354/mo
Deposit HK$538K · loan HK$1.26M · min. income ≈ HK$13,432/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$7,364
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$233/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,652/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,192
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$223/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$455/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,270/mo (50% DSR)
Upfront cash ≈ HK$180K (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).