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$4,070
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,196
−HK$129/mo
Today · 4.125%
HK$4,325
baseline
▲ 0.50% · 4.625%
HK$4,588
+HK$263/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$8,650/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,527
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,649
−HK$123/mo
Today · 4.125%
HK$4,772
baseline
▲ 0.50% · 4.625%
HK$5,024
+HK$252/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$9,544/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,884
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,035
−HK$155/mo
Today · 4.125%
HK$5,190
baseline
▲ 0.50% · 4.625%
HK$5,506
+HK$316/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$10,380/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,433
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,579
−HK$147/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,028
+HK$302/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$11,452/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,697
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,875
−HK$180/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,110/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$6,338
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$173/mo
Today · 4.125%
HK$6,681
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,362/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$7,325
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,553
−HK$232/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$473/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$15,570/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$8,149
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$222/mo
Today · 4.125%
HK$8,590
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$452/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$17,180/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).