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$4,027
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,152
−HK$128/mo
Today · 4.125%
HK$4,280
baseline
▲ 0.50% · 4.625%
HK$4,540
+HK$260/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$8,560/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$4,480
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,600
−HK$122/mo
Today · 4.125%
HK$4,722
baseline
▲ 0.50% · 4.625%
HK$4,971
+HK$249/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$9,444/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$4,832
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$152/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,448
+HK$313/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,376
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$146/mo
Today · 4.125%
HK$5,666
baseline
▲ 0.50% · 4.625%
HK$5,965
+HK$299/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,332/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,638
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,813
−HK$178/mo
Today · 4.125%
HK$5,991
baseline
▲ 0.50% · 4.625%
HK$6,356
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,982/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$6,272
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,440
−HK$171/mo
Today · 4.125%
HK$6,611
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$348/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,222/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$7,249
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$229/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,172
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,406/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$8,064
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$220/mo
Today · 4.125%
HK$8,500
baseline
▲ 0.50% · 4.625%
HK$8,948
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,000/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).