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$4,077
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,204
−HK$129/mo
Today · 4.125%
HK$4,333
baseline
▲ 0.50% · 4.625%
HK$4,597
+HK$264/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$8,666/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,536
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,658
−HK$123/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,033
+HK$252/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$9,562/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,893
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,045
−HK$154/mo
Today · 4.125%
HK$5,199
baseline
▲ 0.50% · 4.625%
HK$5,516
+HK$317/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$10,398/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,443
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,589
−HK$148/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,040
+HK$303/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$11,474/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,708
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$180/mo
Today · 4.125%
HK$6,066
baseline
▲ 0.50% · 4.625%
HK$6,435
+HK$369/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$12,132/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,350
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$172/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,046
+HK$353/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$13,386/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,339
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$232/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,598/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,165
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,384
−HK$222/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,212/mo (50% DSR)
Upfront cash ≈ HK$179K (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).