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$4,047
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,172
−HK$128/mo
Today · 4.125%
HK$4,300
baseline
▲ 0.50% · 4.625%
HK$4,562
+HK$262/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$8,600/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$4,502
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,622
−HK$123/mo
Today · 4.125%
HK$4,745
baseline
▲ 0.50% · 4.625%
HK$4,995
+HK$250/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$9,490/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$4,856
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$153/mo
Today · 4.125%
HK$5,160
baseline
▲ 0.50% · 4.625%
HK$5,474
+HK$314/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$10,320/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$5,402
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$147/mo
Today · 4.125%
HK$5,694
baseline
▲ 0.50% · 4.625%
HK$5,994
+HK$300/mo
Deposit HK$710K · loan HK$1.06M · min. income ≈ HK$11,388/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$5,665
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$179/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$367/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,040/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$6,302
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$172/mo
Today · 4.125%
HK$6,643
baseline
▲ 0.50% · 4.625%
HK$6,993
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,286/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$7,284
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$230/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,480/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$8,103
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$221/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,082/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).