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$4,018
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,143
−HK$127/mo
Today · 4.125%
HK$4,270
baseline
▲ 0.50% · 4.625%
HK$4,530
+HK$260/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$8,540/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,470
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,590
−HK$122/mo
Today · 4.125%
HK$4,712
baseline
▲ 0.50% · 4.625%
HK$4,960
+HK$248/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$9,424/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,822
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,972
−HK$152/mo
Today · 4.125%
HK$5,124
baseline
▲ 0.50% · 4.625%
HK$5,436
+HK$312/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$10,248/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,364
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$146/mo
Today · 4.125%
HK$5,654
baseline
▲ 0.50% · 4.625%
HK$5,952
+HK$298/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$11,308/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,625
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$178/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,342
+HK$364/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$11,956/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,258
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$170/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$348/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$13,192/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,233
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,458
−HK$228/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,154
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,372/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,046
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$219/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,928
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,962/mo (50% DSR)
Upfront cash ≈ HK$176K (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).