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$4,052
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,178
−HK$128/mo
Today · 4.125%
HK$4,306
baseline
▲ 0.50% · 4.625%
HK$4,568
+HK$262/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$8,612/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,508
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,629
−HK$122/mo
Today · 4.125%
HK$4,751
baseline
▲ 0.50% · 4.625%
HK$5,002
+HK$251/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$9,502/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,862
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,014
−HK$153/mo
Today · 4.125%
HK$5,167
baseline
▲ 0.50% · 4.625%
HK$5,482
+HK$315/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$10,334/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,409
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,554
−HK$148/mo
Today · 4.125%
HK$5,702
baseline
▲ 0.50% · 4.625%
HK$6,002
+HK$300/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$11,404/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,673
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,849
−HK$179/mo
Today · 4.125%
HK$6,028
baseline
▲ 0.50% · 4.625%
HK$6,395
+HK$367/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$12,056/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,311
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,480
−HK$172/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,002
+HK$350/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$13,304/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,294
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,520
−HK$231/mo
Today · 4.125%
HK$7,751
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,502/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,114
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$220/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,003
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,104/mo (50% DSR)
Upfront cash ≈ HK$178K (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).