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$4,081
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,207
−HK$129/mo
Today · 4.125%
HK$4,336
baseline
▲ 0.50% · 4.625%
HK$4,600
+HK$264/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$8,672/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,540
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,661
−HK$124/mo
Today · 4.125%
HK$4,785
baseline
▲ 0.50% · 4.625%
HK$5,037
+HK$252/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$9,570/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,897
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,049
−HK$155/mo
Today · 4.125%
HK$5,204
baseline
▲ 0.50% · 4.625%
HK$5,520
+HK$316/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$10,408/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,447
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,594
−HK$148/mo
Today · 4.125%
HK$5,742
baseline
▲ 0.50% · 4.625%
HK$6,044
+HK$302/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$11,484/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,713
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,890
−HK$181/mo
Today · 4.125%
HK$6,071
baseline
▲ 0.50% · 4.625%
HK$6,440
+HK$369/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,142/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,355
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$173/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,052
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,398/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,345
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$233/mo
Today · 4.125%
HK$7,806
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,612/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,171
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$223/mo
Today · 4.125%
HK$8,613
baseline
▲ 0.50% · 4.625%
HK$9,067
+HK$454/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,226/mo (50% DSR)
Upfront cash ≈ HK$179K (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).