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$4,031
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,157
−HK$127/mo
Today · 4.125%
HK$4,284
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$261/mo
Deposit HK$884K · loan HK$884K · min. income ≈ HK$8,568/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,485
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,605
−HK$122/mo
Today · 4.125%
HK$4,727
baseline
▲ 0.50% · 4.625%
HK$4,976
+HK$249/mo
Deposit HK$884K · loan HK$884K · min. income ≈ HK$9,454/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,837
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,988
−HK$153/mo
Today · 4.125%
HK$5,141
baseline
▲ 0.50% · 4.625%
HK$5,454
+HK$313/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$10,282/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,382
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,526
−HK$146/mo
Today · 4.125%
HK$5,672
baseline
▲ 0.50% · 4.625%
HK$5,971
+HK$299/mo
Deposit HK$707K · loan HK$1.06M · min. income ≈ HK$11,344/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,644
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,819
−HK$179/mo
Today · 4.125%
HK$5,998
baseline
▲ 0.50% · 4.625%
HK$6,363
+HK$365/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,996/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,279
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$171/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$6,967
+HK$349/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,236/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,256
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,482
−HK$229/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,422/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$8,072
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$220/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,018/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).