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$4,015
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,140
−HK$127/mo
Today · 4.125%
HK$4,267
baseline
▲ 0.50% · 4.625%
HK$4,527
+HK$260/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$8,534/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,467
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,587
−HK$121/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,956
+HK$248/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$9,416/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,818
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,968
−HK$152/mo
Today · 4.125%
HK$5,120
baseline
▲ 0.50% · 4.625%
HK$5,432
+HK$312/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$10,240/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,360
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$146/mo
Today · 4.125%
HK$5,650
baseline
▲ 0.50% · 4.625%
HK$5,948
+HK$298/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$11,300/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,621
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,796
−HK$178/mo
Today · 4.125%
HK$5,974
baseline
▲ 0.50% · 4.625%
HK$6,337
+HK$363/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$11,948/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,254
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,421
−HK$170/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,939
+HK$348/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$13,182/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,227
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,452
−HK$229/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,148
+HK$467/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,362/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,040
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$219/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,921
+HK$446/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$176K (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).