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$4,078
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,205
−HK$129/mo
Today · 4.125%
HK$4,334
baseline
▲ 0.50% · 4.625%
HK$4,598
+HK$264/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$8,668/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$4,537
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,659
−HK$123/mo
Today · 4.125%
HK$4,782
baseline
▲ 0.50% · 4.625%
HK$5,034
+HK$252/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$9,564/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$4,894
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,046
−HK$155/mo
Today · 4.125%
HK$5,201
baseline
▲ 0.50% · 4.625%
HK$5,517
+HK$316/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$10,402/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$5,444
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,590
−HK$148/mo
Today · 4.125%
HK$5,738
baseline
▲ 0.50% · 4.625%
HK$6,041
+HK$303/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$11,476/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$5,709
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,887
−HK$181/mo
Today · 4.125%
HK$6,068
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$369/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,136/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$6,352
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,522
−HK$173/mo
Today · 4.125%
HK$6,695
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,390/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$7,341
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$232/mo
Today · 4.125%
HK$7,801
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,602/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$8,167
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$222/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,216/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).