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$4,041
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,166
−HK$128/mo
Today · 4.125%
HK$4,294
baseline
▲ 0.50% · 4.625%
HK$4,555
+HK$261/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,588/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$4,495
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,616
−HK$122/mo
Today · 4.125%
HK$4,738
baseline
▲ 0.50% · 4.625%
HK$4,988
+HK$250/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,476/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$4,849
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,999
−HK$154/mo
Today · 4.125%
HK$5,153
baseline
▲ 0.50% · 4.625%
HK$5,466
+HK$313/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,306/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$5,394
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,539
−HK$146/mo
Today · 4.125%
HK$5,685
baseline
▲ 0.50% · 4.625%
HK$5,985
+HK$300/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,370/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$5,657
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,833
−HK$178/mo
Today · 4.125%
HK$6,011
baseline
▲ 0.50% · 4.625%
HK$6,377
+HK$366/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$12,022/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$6,293
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,462
−HK$171/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$6,983
+HK$350/mo
Deposit HK$532K · loan HK$1.24M · min. income ≈ HK$13,266/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$7,273
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$230/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$470/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,458/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$8,091
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$220/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$450/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,056/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).