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$4,091
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,218
−HK$129/mo
Today · 4.125%
HK$4,347
baseline
▲ 0.50% · 4.625%
HK$4,612
+HK$265/mo
Deposit HK$897K · loan HK$897K · min. income ≈ HK$8,694/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,551
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,673
−HK$124/mo
Today · 4.125%
HK$4,797
baseline
▲ 0.50% · 4.625%
HK$5,049
+HK$252/mo
Deposit HK$897K · loan HK$897K · min. income ≈ HK$9,594/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,909
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,061
−HK$156/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,534
+HK$317/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$10,434/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,461
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$149/mo
Today · 4.125%
HK$5,756
baseline
▲ 0.50% · 4.625%
HK$6,059
+HK$303/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$11,512/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,727
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,905
−HK$181/mo
Today · 4.125%
HK$6,086
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$370/mo
Deposit HK$538K · loan HK$1.26M · min. income ≈ HK$12,172/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,371
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,542
−HK$173/mo
Today · 4.125%
HK$6,715
baseline
▲ 0.50% · 4.625%
HK$7,069
+HK$354/mo
Deposit HK$538K · loan HK$1.26M · min. income ≈ HK$13,430/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,363
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$233/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,650/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,191
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$223/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$455/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,268/mo (50% DSR)
Upfront cash ≈ HK$179K (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).