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$4,019
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,144
−HK$127/mo
Today · 4.125%
HK$4,271
baseline
▲ 0.50% · 4.625%
HK$4,531
+HK$260/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$8,542/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$4,472
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,591
−HK$122/mo
Today · 4.125%
HK$4,713
baseline
▲ 0.50% · 4.625%
HK$4,962
+HK$249/mo
Deposit HK$881K · loan HK$881K · min. income ≈ HK$9,426/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$4,823
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,973
−HK$153/mo
Today · 4.125%
HK$5,126
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$312/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$10,252/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$5,366
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,510
−HK$146/mo
Today · 4.125%
HK$5,656
baseline
▲ 0.50% · 4.625%
HK$5,954
+HK$298/mo
Deposit HK$705K · loan HK$1.06M · min. income ≈ HK$11,312/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$5,627
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,802
−HK$178/mo
Today · 4.125%
HK$5,980
baseline
▲ 0.50% · 4.625%
HK$6,344
+HK$364/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$11,960/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,260
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,428
−HK$170/mo
Today · 4.125%
HK$6,598
baseline
▲ 0.50% · 4.625%
HK$6,946
+HK$348/mo
Deposit HK$529K · loan HK$1.23M · min. income ≈ HK$13,196/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,235
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$229/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$467/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,378/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$8,049
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,265
−HK$219/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$447/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,968/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).