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$4,024
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,149
−HK$128/mo
Today · 4.125%
HK$4,277
baseline
▲ 0.50% · 4.625%
HK$4,537
+HK$260/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$8,554/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$4,477
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,597
−HK$122/mo
Today · 4.125%
HK$4,719
baseline
▲ 0.50% · 4.625%
HK$4,968
+HK$249/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$9,438/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$4,829
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,979
−HK$153/mo
Today · 4.125%
HK$5,132
baseline
▲ 0.50% · 4.625%
HK$5,444
+HK$312/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,264/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$5,372
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,516
−HK$147/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$5,961
+HK$298/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,326/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$5,634
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$178/mo
Today · 4.125%
HK$5,987
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$365/mo
Deposit HK$529K · loan HK$1.24M · min. income ≈ HK$11,974/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$6,268
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$170/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$349/mo
Deposit HK$529K · loan HK$1.24M · min. income ≈ HK$13,212/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$7,244
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,469
−HK$229/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,396/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$8,059
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$219/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$448/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,988/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).