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$4,046
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,172
−HK$127/mo
Today · 4.125%
HK$4,299
baseline
▲ 0.50% · 4.625%
HK$4,561
+HK$262/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$8,598/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,501
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,622
−HK$122/mo
Today · 4.125%
HK$4,744
baseline
▲ 0.50% · 4.625%
HK$4,994
+HK$250/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$9,488/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,855
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,006
−HK$153/mo
Today · 4.125%
HK$5,159
baseline
▲ 0.50% · 4.625%
HK$5,473
+HK$314/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$10,318/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,401
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,546
−HK$147/mo
Today · 4.125%
HK$5,693
baseline
▲ 0.50% · 4.625%
HK$5,993
+HK$300/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$11,386/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,664
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,840
−HK$179/mo
Today · 4.125%
HK$6,019
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$367/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,038/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,301
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$172/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$6,992
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,284/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,282
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$230/mo
Today · 4.125%
HK$7,739
baseline
▲ 0.50% · 4.625%
HK$8,210
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,478/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$8,102
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,319
−HK$220/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$8,989
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,078/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).