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$4,066
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,192
−HK$129/mo
Today · 4.125%
HK$4,321
baseline
▲ 0.50% · 4.625%
HK$4,583
+HK$262/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$8,642/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,523
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,644
−HK$123/mo
Today · 4.125%
HK$4,767
baseline
▲ 0.50% · 4.625%
HK$5,019
+HK$252/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$9,534/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,879
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$154/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,500
+HK$315/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$10,370/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,428
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,573
−HK$148/mo
Today · 4.125%
HK$5,721
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$301/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$11,442/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,692
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,869
−HK$180/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,417
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,098/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,332
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,502
−HK$172/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,348/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,318
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$231/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,250
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,554/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,141
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$221/mo
Today · 4.125%
HK$8,581
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$453/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,162/mo (50% DSR)
Upfront cash ≈ HK$178K (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).