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$255/mo
▼ 0.25% · 3.875%
HK$4,205
−HK$128/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$5,034
+HK$253/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$307/mo
▼ 0.25% · 3.875%
HK$5,045
−HK$155/mo
Today · 4.125%
HK$5,200
baseline
▲ 0.50% · 4.625%
HK$5,516
+HK$316/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$10,400/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$6,040
+HK$302/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$358/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$181/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$369/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$12,134/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$6,351
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$173/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,047
+HK$353/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$13,388/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$7,340
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$232/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,275
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,600/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$442/mo
▼ 0.25% · 3.875%
HK$8,384
−HK$223/mo
Today · 4.125%
HK$8,607
baseline
▲ 0.50% · 4.625%
HK$9,060
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,214/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).