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$4,047
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,173
−HK$128/mo
Today · 4.125%
HK$4,301
baseline
▲ 0.50% · 4.625%
HK$4,562
+HK$261/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$8,602/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,502
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,623
−HK$122/mo
Today · 4.125%
HK$4,745
baseline
▲ 0.50% · 4.625%
HK$4,995
+HK$250/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$9,490/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,856
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$154/mo
Today · 4.125%
HK$5,161
baseline
▲ 0.50% · 4.625%
HK$5,475
+HK$314/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$10,322/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,403
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$147/mo
Today · 4.125%
HK$5,694
baseline
▲ 0.50% · 4.625%
HK$5,995
+HK$301/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$11,388/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,666
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,842
−HK$179/mo
Today · 4.125%
HK$6,021
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,042/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$6,303
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,472
−HK$171/mo
Today · 4.125%
HK$6,643
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$351/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,286/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$7,284
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$230/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,482/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$8,104
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$221/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,084/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).