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$4,044
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,170
−HK$128/mo
Today · 4.125%
HK$4,298
baseline
▲ 0.50% · 4.625%
HK$4,559
+HK$261/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$8,596/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$4,499
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,620
−HK$122/mo
Today · 4.125%
HK$4,742
baseline
▲ 0.50% · 4.625%
HK$4,992
+HK$250/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$9,484/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$4,853
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,004
−HK$153/mo
Today · 4.125%
HK$5,157
baseline
▲ 0.50% · 4.625%
HK$5,471
+HK$314/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,314/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$5,399
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,544
−HK$147/mo
Today · 4.125%
HK$5,691
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,382/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$5,662
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,838
−HK$179/mo
Today · 4.125%
HK$6,017
baseline
▲ 0.50% · 4.625%
HK$6,383
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,034/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$6,299
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$171/mo
Today · 4.125%
HK$6,639
baseline
▲ 0.50% · 4.625%
HK$6,989
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,278/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$7,280
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,506
−HK$230/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,472/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$8,099
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$220/mo
Today · 4.125%
HK$8,536
baseline
▲ 0.50% · 4.625%
HK$8,986
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,072/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).