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$4,075
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,202
−HK$129/mo
Today · 4.125%
HK$4,331
baseline
▲ 0.50% · 4.625%
HK$4,594
+HK$263/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$8,662/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,534
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$124/mo
Today · 4.125%
HK$4,779
baseline
▲ 0.50% · 4.625%
HK$5,031
+HK$252/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$9,558/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,890
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$154/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,513
+HK$316/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$10,394/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,441
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$149/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,037
+HK$302/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$11,470/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,706
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$180/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,432
+HK$369/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$12,126/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,347
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$172/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$353/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$13,380/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,336
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$232/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,270
+HK$474/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,592/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$8,161
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$222/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,204/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).