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$4,096
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,223
−HK$130/mo
Today · 4.125%
HK$4,353
baseline
▲ 0.50% · 4.625%
HK$4,617
+HK$264/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$8,706/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,556
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,679
−HK$124/mo
Today · 4.125%
HK$4,803
baseline
▲ 0.50% · 4.625%
HK$5,056
+HK$253/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$9,606/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,915
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,068
−HK$155/mo
Today · 4.125%
HK$5,223
baseline
▲ 0.50% · 4.625%
HK$5,541
+HK$318/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$10,446/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,468
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,614
−HK$149/mo
Today · 4.125%
HK$5,763
baseline
▲ 0.50% · 4.625%
HK$6,067
+HK$304/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$11,526/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,734
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$182/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,464
+HK$370/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$12,188/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,379
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$174/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$354/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$13,448/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,372
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$233/mo
Today · 4.125%
HK$7,835
baseline
▲ 0.50% · 4.625%
HK$8,311
+HK$476/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,670/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,202
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$223/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$455/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,290/mo (50% DSR)
Upfront cash ≈ HK$180K (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).