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$4,026
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,151
−HK$128/mo
Today · 4.125%
HK$4,279
baseline
▲ 0.50% · 4.625%
HK$4,539
+HK$260/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$8,558/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,479
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,599
−HK$122/mo
Today · 4.125%
HK$4,721
baseline
▲ 0.50% · 4.625%
HK$4,970
+HK$249/mo
Deposit HK$883K · loan HK$883K · min. income ≈ HK$9,442/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,831
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$152/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,447
+HK$313/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,268/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,375
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,519
−HK$146/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$5,964
+HK$299/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,330/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,637
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,812
−HK$178/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$364/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$11,980/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$6,271
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,439
−HK$170/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$6,958
+HK$349/mo
Deposit HK$530K · loan HK$1.24M · min. income ≈ HK$13,218/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$7,247
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,472
−HK$229/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$469/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,402/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$8,062
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$220/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$8,946
+HK$448/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$16,996/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).