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$4,068
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,194
−HK$129/mo
Today · 4.125%
HK$4,323
baseline
▲ 0.50% · 4.625%
HK$4,586
+HK$263/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$8,646/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,525
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,646
−HK$124/mo
Today · 4.125%
HK$4,770
baseline
▲ 0.50% · 4.625%
HK$5,021
+HK$251/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$9,540/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,881
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,033
−HK$154/mo
Today · 4.125%
HK$5,187
baseline
▲ 0.50% · 4.625%
HK$5,503
+HK$316/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$10,374/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,430
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,576
−HK$147/mo
Today · 4.125%
HK$5,723
baseline
▲ 0.50% · 4.625%
HK$6,025
+HK$302/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$11,446/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,695
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,872
−HK$180/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,104/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$6,335
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,505
−HK$172/mo
Today · 4.125%
HK$6,677
baseline
▲ 0.50% · 4.625%
HK$7,029
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,354/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$7,322
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,549
−HK$232/mo
Today · 4.125%
HK$7,781
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$473/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$15,562/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$8,145
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$221/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$453/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$17,170/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).