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$4,013
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,138
−HK$127/mo
Today · 4.125%
HK$4,265
baseline
▲ 0.50% · 4.625%
HK$4,524
+HK$259/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$8,530/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,464
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,584
−HK$122/mo
Today · 4.125%
HK$4,706
baseline
▲ 0.50% · 4.625%
HK$4,954
+HK$248/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$9,412/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,816
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,965
−HK$153/mo
Today · 4.125%
HK$5,118
baseline
▲ 0.50% · 4.625%
HK$5,429
+HK$311/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$10,236/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,357
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,501
−HK$146/mo
Today · 4.125%
HK$5,647
baseline
▲ 0.50% · 4.625%
HK$5,944
+HK$297/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$11,294/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,618
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,793
−HK$178/mo
Today · 4.125%
HK$5,971
baseline
▲ 0.50% · 4.625%
HK$6,334
+HK$363/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$11,942/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,250
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$170/mo
Today · 4.125%
HK$6,588
baseline
▲ 0.50% · 4.625%
HK$6,935
+HK$347/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$13,176/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,223
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,448
−HK$228/mo
Today · 4.125%
HK$7,676
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$468/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,352/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$8,036
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$218/mo
Today · 4.125%
HK$8,470
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$447/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,940/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).