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$4,061
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,187
−HK$129/mo
Today · 4.125%
HK$4,316
baseline
▲ 0.50% · 4.625%
HK$4,578
+HK$262/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,632/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$4,518
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,639
−HK$123/mo
Today · 4.125%
HK$4,762
baseline
▲ 0.50% · 4.625%
HK$5,013
+HK$251/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,524/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$4,873
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,025
−HK$154/mo
Today · 4.125%
HK$5,179
baseline
▲ 0.50% · 4.625%
HK$5,494
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,358/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$5,421
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,567
−HK$147/mo
Today · 4.125%
HK$5,714
baseline
▲ 0.50% · 4.625%
HK$6,015
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,428/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$5,685
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,862
−HK$180/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,409
+HK$367/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,084/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$6,325
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,494
−HK$172/mo
Today · 4.125%
HK$6,666
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$352/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,332/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$7,310
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$231/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,241
+HK$473/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,536/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$8,132
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$221/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,142/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).