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$4,087
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,214
−HK$129/mo
Today · 4.125%
HK$4,343
baseline
▲ 0.50% · 4.625%
HK$4,608
+HK$265/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$8,686/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,547
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,669
−HK$123/mo
Today · 4.125%
HK$4,792
baseline
▲ 0.50% · 4.625%
HK$5,045
+HK$253/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$9,584/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,904
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,057
−HK$155/mo
Today · 4.125%
HK$5,212
baseline
▲ 0.50% · 4.625%
HK$5,529
+HK$317/mo
Deposit HK$717K · loan HK$1.08M · min. income ≈ HK$10,424/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,456
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$149/mo
Today · 4.125%
HK$5,751
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$303/mo
Deposit HK$717K · loan HK$1.08M · min. income ≈ HK$11,502/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,722
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,900
−HK$181/mo
Today · 4.125%
HK$6,081
baseline
▲ 0.50% · 4.625%
HK$6,451
+HK$370/mo
Deposit HK$538K · loan HK$1.25M · min. income ≈ HK$12,162/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,365
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,536
−HK$173/mo
Today · 4.125%
HK$6,709
baseline
▲ 0.50% · 4.625%
HK$7,063
+HK$354/mo
Deposit HK$538K · loan HK$1.25M · min. income ≈ HK$13,418/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,357
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,585
−HK$233/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,636/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,184
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$222/mo
Today · 4.125%
HK$8,626
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$455/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,252/mo (50% DSR)
Upfront cash ≈ HK$179K (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).