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$4,038
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,163
−HK$128/mo
Today · 4.125%
HK$4,291
baseline
▲ 0.50% · 4.625%
HK$4,552
+HK$261/mo
Deposit HK$885K · loan HK$885K · min. income ≈ HK$8,582/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,492
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,612
−HK$122/mo
Today · 4.125%
HK$4,734
baseline
▲ 0.50% · 4.625%
HK$4,984
+HK$250/mo
Deposit HK$885K · loan HK$885K · min. income ≈ HK$9,468/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,845
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,996
−HK$153/mo
Today · 4.125%
HK$5,149
baseline
▲ 0.50% · 4.625%
HK$5,462
+HK$313/mo
Deposit HK$708K · loan HK$1.06M · min. income ≈ HK$10,298/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,390
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,535
−HK$146/mo
Today · 4.125%
HK$5,681
baseline
▲ 0.50% · 4.625%
HK$5,981
+HK$300/mo
Deposit HK$708K · loan HK$1.06M · min. income ≈ HK$11,362/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,653
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$179/mo
Today · 4.125%
HK$6,007
baseline
▲ 0.50% · 4.625%
HK$6,373
+HK$366/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$12,014/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,288
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,457
−HK$171/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$6,978
+HK$350/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$13,256/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,268
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,494
−HK$229/mo
Today · 4.125%
HK$7,723
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$470/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,446/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$8,085
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$220/mo
Today · 4.125%
HK$8,522
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$449/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,044/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).