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$4,037
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,162
−HK$128/mo
Today · 4.125%
HK$4,290
baseline
▲ 0.50% · 4.625%
HK$4,551
+HK$261/mo
Deposit HK$885K · loan HK$885K · min. income ≈ HK$8,580/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,491
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,611
−HK$123/mo
Today · 4.125%
HK$4,734
baseline
▲ 0.50% · 4.625%
HK$4,983
+HK$249/mo
Deposit HK$885K · loan HK$885K · min. income ≈ HK$9,468/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,844
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,995
−HK$153/mo
Today · 4.125%
HK$5,148
baseline
▲ 0.50% · 4.625%
HK$5,461
+HK$313/mo
Deposit HK$708K · loan HK$1.06M · min. income ≈ HK$10,296/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,389
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,534
−HK$146/mo
Today · 4.125%
HK$5,680
baseline
▲ 0.50% · 4.625%
HK$5,980
+HK$300/mo
Deposit HK$708K · loan HK$1.06M · min. income ≈ HK$11,360/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,652
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,827
−HK$179/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$365/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$12,012/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,287
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$171/mo
Today · 4.125%
HK$6,627
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$349/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$13,254/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,266
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,492
−HK$230/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,192
+HK$470/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,444/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$8,084
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$219/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$8,970
+HK$450/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,040/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).