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$4,083
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,210
−HK$129/mo
Today · 4.125%
HK$4,339
baseline
▲ 0.50% · 4.625%
HK$4,603
+HK$264/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$8,678/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,542
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,664
−HK$123/mo
Today · 4.125%
HK$4,787
baseline
▲ 0.50% · 4.625%
HK$5,040
+HK$253/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$9,574/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,899
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,052
−HK$154/mo
Today · 4.125%
HK$5,206
baseline
▲ 0.50% · 4.625%
HK$5,523
+HK$317/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$10,412/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$5,450
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$149/mo
Today · 4.125%
HK$5,745
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$303/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$11,490/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$5,716
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,894
−HK$180/mo
Today · 4.125%
HK$6,074
baseline
▲ 0.50% · 4.625%
HK$6,444
+HK$370/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,148/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$6,359
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$173/mo
Today · 4.125%
HK$6,702
baseline
▲ 0.50% · 4.625%
HK$7,056
+HK$354/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,404/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$7,349
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$233/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,620/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$8,175
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,395
−HK$222/mo
Today · 4.125%
HK$8,617
baseline
▲ 0.50% · 4.625%
HK$9,071
+HK$454/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,234/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).