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$4,084
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,211
−HK$129/mo
Today · 4.125%
HK$4,340
baseline
▲ 0.50% · 4.625%
HK$4,604
+HK$264/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$8,680/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,543
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,665
−HK$123/mo
Today · 4.125%
HK$4,788
baseline
▲ 0.50% · 4.625%
HK$5,041
+HK$253/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$9,576/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,900
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,053
−HK$155/mo
Today · 4.125%
HK$5,208
baseline
▲ 0.50% · 4.625%
HK$5,524
+HK$316/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$10,416/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$5,452
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$148/mo
Today · 4.125%
HK$5,746
baseline
▲ 0.50% · 4.625%
HK$6,049
+HK$303/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$11,492/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$5,717
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,895
−HK$181/mo
Today · 4.125%
HK$6,076
baseline
▲ 0.50% · 4.625%
HK$6,445
+HK$369/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,152/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$6,360
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$173/mo
Today · 4.125%
HK$6,704
baseline
▲ 0.50% · 4.625%
HK$7,057
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,408/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$7,350
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,579
−HK$232/mo
Today · 4.125%
HK$7,811
baseline
▲ 0.50% · 4.625%
HK$8,287
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,622/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$8,177
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$222/mo
Today · 4.125%
HK$8,619
baseline
▲ 0.50% · 4.625%
HK$9,073
+HK$454/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,238/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).