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$4,055
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,181
−HK$128/mo
Today · 4.125%
HK$4,309
baseline
▲ 0.50% · 4.625%
HK$4,571
+HK$262/mo
Deposit HK$889K · loan HK$889K · min. income ≈ HK$8,618/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,511
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,632
−HK$123/mo
Today · 4.125%
HK$4,755
baseline
▲ 0.50% · 4.625%
HK$5,005
+HK$250/mo
Deposit HK$889K · loan HK$889K · min. income ≈ HK$9,510/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,866
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,017
−HK$154/mo
Today · 4.125%
HK$5,171
baseline
▲ 0.50% · 4.625%
HK$5,486
+HK$315/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$10,342/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,413
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,559
−HK$147/mo
Today · 4.125%
HK$5,706
baseline
▲ 0.50% · 4.625%
HK$6,007
+HK$301/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$11,412/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,677
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,854
−HK$179/mo
Today · 4.125%
HK$6,033
baseline
▲ 0.50% · 4.625%
HK$6,400
+HK$367/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$12,066/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$6,316
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$172/mo
Today · 4.125%
HK$6,657
baseline
▲ 0.50% · 4.625%
HK$7,008
+HK$351/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$13,314/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$7,299
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$231/mo
Today · 4.125%
HK$7,757
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,514/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$8,120
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$221/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,118/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).