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$4,043
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,169
−HK$128/mo
Today · 4.125%
HK$4,297
baseline
▲ 0.50% · 4.625%
HK$4,558
+HK$261/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$8,594/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,498
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,619
−HK$122/mo
Today · 4.125%
HK$4,741
baseline
▲ 0.50% · 4.625%
HK$4,991
+HK$250/mo
Deposit HK$887K · loan HK$887K · min. income ≈ HK$9,482/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,852
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,003
−HK$153/mo
Today · 4.125%
HK$5,156
baseline
▲ 0.50% · 4.625%
HK$5,470
+HK$314/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,312/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,398
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,543
−HK$146/mo
Today · 4.125%
HK$5,689
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,378/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,661
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,837
−HK$179/mo
Today · 4.125%
HK$6,016
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,032/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,297
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,466
−HK$172/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$6,988
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,276/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,278
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$230/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$471/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$15,468/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$8,097
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$220/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$450/mo
Deposit HK$177K · loan HK$1.60M · min. income ≈ HK$17,068/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).