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$4,041
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$127/mo
Today · 4.125%
HK$4,294
baseline
▲ 0.50% · 4.625%
HK$4,556
+HK$262/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,588/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,496
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,616
−HK$123/mo
Today · 4.125%
HK$4,739
baseline
▲ 0.50% · 4.625%
HK$4,988
+HK$249/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,478/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,849
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$153/mo
Today · 4.125%
HK$5,153
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$314/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,306/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,395
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,539
−HK$147/mo
Today · 4.125%
HK$5,686
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,372/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,658
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,833
−HK$179/mo
Today · 4.125%
HK$6,012
baseline
▲ 0.50% · 4.625%
HK$6,378
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,024/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$6,294
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$171/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$6,984
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,268/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$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$470/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,460/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$8,092
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$220/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$450/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,058/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).