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$4,025
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,150
−HK$127/mo
Today · 4.125%
HK$4,277
baseline
▲ 0.50% · 4.625%
HK$4,538
+HK$261/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$8,554/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,478
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,598
−HK$122/mo
Today · 4.125%
HK$4,720
baseline
▲ 0.50% · 4.625%
HK$4,968
+HK$248/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$9,440/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,830
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,980
−HK$153/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,445
+HK$312/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,266/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,373
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,517
−HK$147/mo
Today · 4.125%
HK$5,664
baseline
▲ 0.50% · 4.625%
HK$5,962
+HK$298/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,328/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,635
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,810
−HK$178/mo
Today · 4.125%
HK$5,988
baseline
▲ 0.50% · 4.625%
HK$6,353
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,976/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,269
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$170/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$6,956
+HK$349/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,214/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,245
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$229/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,398/mo (50% DSR)
Upfront cash ≈ HK$177K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,060
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$219/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$16,990/mo (50% DSR)
Upfront cash ≈ HK$177K (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).