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$4,023
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,148
−HK$127/mo
Today · 4.125%
HK$4,275
baseline
▲ 0.50% · 4.625%
HK$4,535
+HK$260/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$8,550/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$4,475
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,595
−HK$122/mo
Today · 4.125%
HK$4,717
baseline
▲ 0.50% · 4.625%
HK$4,966
+HK$249/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$9,434/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$4,827
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$152/mo
Today · 4.125%
HK$5,130
baseline
▲ 0.50% · 4.625%
HK$5,442
+HK$312/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,260/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$5,370
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,514
−HK$147/mo
Today · 4.125%
HK$5,661
baseline
▲ 0.50% · 4.625%
HK$5,959
+HK$298/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,322/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$5,632
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,807
−HK$178/mo
Today · 4.125%
HK$5,985
baseline
▲ 0.50% · 4.625%
HK$6,349
+HK$364/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$11,970/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$6,265
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$170/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$348/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$13,208/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$7,241
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$229/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,390/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$8,056
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$219/mo
Today · 4.125%
HK$8,491
baseline
▲ 0.50% · 4.625%
HK$8,938
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,982/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).