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$4,059
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,185
−HK$128/mo
Today · 4.125%
HK$4,313
baseline
▲ 0.50% · 4.625%
HK$4,576
+HK$263/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,626/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,515
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,636
−HK$123/mo
Today · 4.125%
HK$4,759
baseline
▲ 0.50% · 4.625%
HK$5,010
+HK$251/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,518/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,870
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,022
−HK$154/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,352/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,418
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$147/mo
Today · 4.125%
HK$5,711
baseline
▲ 0.50% · 4.625%
HK$6,012
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,422/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,682
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,859
−HK$180/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,406
+HK$367/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,078/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,321
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,491
−HK$172/mo
Today · 4.125%
HK$6,663
baseline
▲ 0.50% · 4.625%
HK$7,014
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,326/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,306
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$231/mo
Today · 4.125%
HK$7,764
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,528/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,128
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$221/mo
Today · 4.125%
HK$8,567
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,134/mo (50% DSR)
Upfront cash ≈ HK$178K (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).