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$4,026
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,151
−HK$127/mo
Today · 4.125%
HK$4,278
baseline
▲ 0.50% · 4.625%
HK$4,539
+HK$261/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$8,556/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,479
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,599
−HK$122/mo
Today · 4.125%
HK$4,721
baseline
▲ 0.50% · 4.625%
HK$4,969
+HK$248/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$9,442/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,831
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,981
−HK$153/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,446
+HK$312/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,268/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,374
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,519
−HK$146/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$5,963
+HK$298/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,330/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,636
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,811
−HK$179/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$364/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,980/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,270
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$171/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$6,957
+HK$348/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,218/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,246
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,472
−HK$229/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,169
+HK$468/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,402/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$8,062
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$219/mo
Today · 4.125%
HK$8,497
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$16,994/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).