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$4,029
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,155
−HK$127/mo
Today · 4.125%
HK$4,282
baseline
▲ 0.50% · 4.625%
HK$4,543
+HK$261/mo
Deposit HK$884K · loan HK$884K · min. income ≈ HK$8,564/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,483
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,603
−HK$122/mo
Today · 4.125%
HK$4,725
baseline
▲ 0.50% · 4.625%
HK$4,974
+HK$249/mo
Deposit HK$884K · loan HK$884K · min. income ≈ HK$9,450/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,835
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,986
−HK$153/mo
Today · 4.125%
HK$5,139
baseline
▲ 0.50% · 4.625%
HK$5,451
+HK$312/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$10,278/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,379
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,524
−HK$146/mo
Today · 4.125%
HK$5,670
baseline
▲ 0.50% · 4.625%
HK$5,969
+HK$299/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$11,340/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,641
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,817
−HK$178/mo
Today · 4.125%
HK$5,995
baseline
▲ 0.50% · 4.625%
HK$6,360
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,990/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,276
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$171/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$6,964
+HK$349/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,230/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,253
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,479
−HK$229/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,177
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,416/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$8,069
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$220/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$8,953
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,010/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).