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$4,028
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,154
−HK$127/mo
Today · 4.125%
HK$4,281
baseline
▲ 0.50% · 4.625%
HK$4,541
+HK$260/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$8,562/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$4,481
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,602
−HK$122/mo
Today · 4.125%
HK$4,724
baseline
▲ 0.50% · 4.625%
HK$4,973
+HK$249/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$9,448/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$4,834
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,984
−HK$153/mo
Today · 4.125%
HK$5,137
baseline
▲ 0.50% · 4.625%
HK$5,450
+HK$313/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$10,274/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,378
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,522
−HK$146/mo
Today · 4.125%
HK$5,668
baseline
▲ 0.50% · 4.625%
HK$5,967
+HK$299/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$11,336/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,640
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,815
−HK$178/mo
Today · 4.125%
HK$5,993
baseline
▲ 0.50% · 4.625%
HK$6,358
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,986/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$6,274
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,442
−HK$171/mo
Today · 4.125%
HK$6,613
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$349/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,226/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$7,251
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,476
−HK$230/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,175
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,412/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$8,067
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,283
−HK$219/mo
Today · 4.125%
HK$8,502
baseline
▲ 0.50% · 4.625%
HK$8,951
+HK$449/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,004/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).