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$4,057
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,183
−HK$128/mo
Today · 4.125%
HK$4,311
baseline
▲ 0.50% · 4.625%
HK$4,573
+HK$262/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,622/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,513
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,634
−HK$123/mo
Today · 4.125%
HK$4,757
baseline
▲ 0.50% · 4.625%
HK$5,007
+HK$250/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,514/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,868
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,019
−HK$154/mo
Today · 4.125%
HK$5,173
baseline
▲ 0.50% · 4.625%
HK$5,488
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,346/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,416
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,561
−HK$147/mo
Today · 4.125%
HK$5,708
baseline
▲ 0.50% · 4.625%
HK$6,009
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,416/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,679
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$179/mo
Today · 4.125%
HK$6,035
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$368/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,070/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,318
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$171/mo
Today · 4.125%
HK$6,659
baseline
▲ 0.50% · 4.625%
HK$7,010
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,318/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,302
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,529
−HK$231/mo
Today · 4.125%
HK$7,760
baseline
▲ 0.50% · 4.625%
HK$8,232
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,520/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$8,123
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,341
−HK$221/mo
Today · 4.125%
HK$8,562
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,124/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).