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$4,065
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,192
−HK$128/mo
Today · 4.125%
HK$4,320
baseline
▲ 0.50% · 4.625%
HK$4,583
+HK$263/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$8,640/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,522
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,644
−HK$123/mo
Today · 4.125%
HK$4,767
baseline
▲ 0.50% · 4.625%
HK$5,018
+HK$251/mo
Deposit HK$891K · loan HK$891K · min. income ≈ HK$9,534/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,878
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,030
−HK$154/mo
Today · 4.125%
HK$5,184
baseline
▲ 0.50% · 4.625%
HK$5,499
+HK$315/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$10,368/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,427
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,572
−HK$148/mo
Today · 4.125%
HK$5,720
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$302/mo
Deposit HK$713K · loan HK$1.07M · min. income ≈ HK$11,440/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,691
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$180/mo
Today · 4.125%
HK$6,048
baseline
▲ 0.50% · 4.625%
HK$6,416
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,096/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,331
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,501
−HK$172/mo
Today · 4.125%
HK$6,673
baseline
▲ 0.50% · 4.625%
HK$7,025
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,346/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,317
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$231/mo
Today · 4.125%
HK$7,776
baseline
▲ 0.50% · 4.625%
HK$8,249
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,552/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$8,140
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$221/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,160/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).