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$4,021
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,146
−HK$127/mo
Today · 4.125%
HK$4,273
baseline
▲ 0.50% · 4.625%
HK$4,533
+HK$260/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$8,546/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,473
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,593
−HK$122/mo
Today · 4.125%
HK$4,715
baseline
▲ 0.50% · 4.625%
HK$4,963
+HK$248/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$9,430/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,825
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,975
−HK$153/mo
Today · 4.125%
HK$5,128
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$312/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$10,256/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$5,368
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,512
−HK$146/mo
Today · 4.125%
HK$5,658
baseline
▲ 0.50% · 4.625%
HK$5,956
+HK$298/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$11,316/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$5,629
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,804
−HK$178/mo
Today · 4.125%
HK$5,982
baseline
▲ 0.50% · 4.625%
HK$6,346
+HK$364/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$11,964/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$6,262
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,430
−HK$171/mo
Today · 4.125%
HK$6,601
baseline
▲ 0.50% · 4.625%
HK$6,949
+HK$348/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$13,202/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$7,237
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$228/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,382/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$8,052
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$219/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$8,934
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,974/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).