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$4,040
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,165
−HK$128/mo
Today · 4.125%
HK$4,293
baseline
▲ 0.50% · 4.625%
HK$4,554
+HK$261/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,586/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,494
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,615
−HK$122/mo
Today · 4.125%
HK$4,737
baseline
▲ 0.50% · 4.625%
HK$4,987
+HK$250/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,474/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,848
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$154/mo
Today · 4.125%
HK$5,152
baseline
▲ 0.50% · 4.625%
HK$5,465
+HK$313/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,304/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$5,393
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,538
−HK$146/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$5,984
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,368/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$5,656
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,832
−HK$178/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$366/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$12,020/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$6,292
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,461
−HK$171/mo
Today · 4.125%
HK$6,632
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$349/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$13,264/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$7,272
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$229/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$471/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,454/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$8,089
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$221/mo
Today · 4.125%
HK$8,527
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$449/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,054/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).