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$4,085
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,212
−HK$130/mo
Today · 4.125%
HK$4,342
baseline
▲ 0.50% · 4.625%
HK$4,606
+HK$264/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$8,684/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,545
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,667
−HK$123/mo
Today · 4.125%
HK$4,790
baseline
▲ 0.50% · 4.625%
HK$5,043
+HK$253/mo
Deposit HK$896K · loan HK$896K · min. income ≈ HK$9,580/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,902
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,055
−HK$155/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$317/mo
Deposit HK$717K · loan HK$1.07M · min. income ≈ HK$10,420/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,454
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,600
−HK$149/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,052
+HK$303/mo
Deposit HK$717K · loan HK$1.07M · min. income ≈ HK$11,498/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,719
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$181/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,448
+HK$370/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,156/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,363
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,534
−HK$173/mo
Today · 4.125%
HK$6,707
baseline
▲ 0.50% · 4.625%
HK$7,060
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,414/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,354
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,582
−HK$233/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,290
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,630/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$8,181
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$223/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$454/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,246/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).