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$4,069
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,196
−HK$128/mo
Today · 4.125%
HK$4,324
baseline
▲ 0.50% · 4.625%
HK$4,587
+HK$263/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$8,648/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,527
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,648
−HK$123/mo
Today · 4.125%
HK$4,771
baseline
▲ 0.50% · 4.625%
HK$5,023
+HK$252/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$9,542/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,883
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,035
−HK$154/mo
Today · 4.125%
HK$5,189
baseline
▲ 0.50% · 4.625%
HK$5,505
+HK$316/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$10,378/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,432
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,578
−HK$148/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,027
+HK$301/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$11,452/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,697
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,874
−HK$180/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,422
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,108/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,338
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$172/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,032
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,360/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,324
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$232/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$473/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$15,568/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$8,148
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$222/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,041
+HK$452/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$17,178/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).