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$4,022
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,147
−HK$127/mo
Today · 4.125%
HK$4,274
baseline
▲ 0.50% · 4.625%
HK$4,534
+HK$260/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$8,548/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,474
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,594
−HK$122/mo
Today · 4.125%
HK$4,716
baseline
▲ 0.50% · 4.625%
HK$4,964
+HK$248/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$9,432/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,826
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,976
−HK$152/mo
Today · 4.125%
HK$5,128
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$312/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$10,256/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$5,369
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,513
−HK$146/mo
Today · 4.125%
HK$5,659
baseline
▲ 0.50% · 4.625%
HK$5,957
+HK$298/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$11,318/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$5,630
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$178/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,347
+HK$364/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$11,966/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,263
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$171/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$348/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$13,204/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,239
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,464
−HK$229/mo
Today · 4.125%
HK$7,693
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,386/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,053
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$219/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,976/mo (50% DSR)
Upfront cash ≈ HK$176K (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).