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$4,016
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,141
−HK$127/mo
Today · 4.125%
HK$4,268
baseline
▲ 0.50% · 4.625%
HK$4,528
+HK$260/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$8,536/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$4,468
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,588
−HK$121/mo
Today · 4.125%
HK$4,709
baseline
▲ 0.50% · 4.625%
HK$4,958
+HK$249/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$9,418/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$4,819
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,969
−HK$153/mo
Today · 4.125%
HK$5,122
baseline
▲ 0.50% · 4.625%
HK$5,433
+HK$311/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$10,244/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,361
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,505
−HK$146/mo
Today · 4.125%
HK$5,651
baseline
▲ 0.50% · 4.625%
HK$5,949
+HK$298/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$11,302/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,623
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$178/mo
Today · 4.125%
HK$5,975
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$364/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$11,950/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$6,255
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$170/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$348/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$13,186/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$7,229
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$228/mo
Today · 4.125%
HK$7,682
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$468/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,364/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$8,042
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$219/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,954/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).