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$4,002
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,127
−HK$126/mo
Today · 4.125%
HK$4,253
baseline
▲ 0.50% · 4.625%
HK$4,512
+HK$259/mo
Deposit HK$878K · loan HK$878K · min. income ≈ HK$8,506/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,453
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,572
−HK$121/mo
Today · 4.125%
HK$4,693
baseline
▲ 0.50% · 4.625%
HK$4,941
+HK$248/mo
Deposit HK$878K · loan HK$878K · min. income ≈ HK$9,386/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,803
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,952
−HK$152/mo
Today · 4.125%
HK$5,104
baseline
▲ 0.50% · 4.625%
HK$5,415
+HK$311/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$10,208/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,343
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,487
−HK$145/mo
Today · 4.125%
HK$5,632
baseline
▲ 0.50% · 4.625%
HK$5,929
+HK$297/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$11,264/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,603
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$177/mo
Today · 4.125%
HK$5,955
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$362/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$11,910/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,234
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,401
−HK$170/mo
Today · 4.125%
HK$6,571
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$346/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$13,142/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,204
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$227/mo
Today · 4.125%
HK$7,656
baseline
▲ 0.50% · 4.625%
HK$8,122
+HK$466/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,312/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,015
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,230
−HK$218/mo
Today · 4.125%
HK$8,448
baseline
▲ 0.50% · 4.625%
HK$8,893
+HK$445/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,896/mo (50% DSR)
Upfront cash ≈ HK$176K (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).