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$4,063
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,190
−HK$128/mo
Today · 4.125%
HK$4,318
baseline
▲ 0.50% · 4.625%
HK$4,581
+HK$263/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$8,636/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,520
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,642
−HK$122/mo
Today · 4.125%
HK$4,764
baseline
▲ 0.50% · 4.625%
HK$5,016
+HK$252/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$9,528/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,028
−HK$154/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,497
+HK$315/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$10,364/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$147/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,019
+HK$302/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$11,434/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,688
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,865
−HK$180/mo
Today · 4.125%
HK$6,045
baseline
▲ 0.50% · 4.625%
HK$6,413
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,090/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,328
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$172/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,022
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,340/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,314
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,541
−HK$231/mo
Today · 4.125%
HK$7,772
baseline
▲ 0.50% · 4.625%
HK$8,245
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,544/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$8,136
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$221/mo
Today · 4.125%
HK$8,576
baseline
▲ 0.50% · 4.625%
HK$9,028
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,152/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).