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$4,012
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$127/mo
Today · 4.125%
HK$4,264
baseline
▲ 0.50% · 4.625%
HK$4,523
+HK$259/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$8,528/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,464
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,583
−HK$122/mo
Today · 4.125%
HK$4,705
baseline
▲ 0.50% · 4.625%
HK$4,953
+HK$248/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$9,410/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,815
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,965
−HK$152/mo
Today · 4.125%
HK$5,117
baseline
▲ 0.50% · 4.625%
HK$5,428
+HK$311/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$10,234/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,356
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,500
−HK$146/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,943
+HK$297/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$11,292/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,617
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,792
−HK$177/mo
Today · 4.125%
HK$5,969
baseline
▲ 0.50% · 4.625%
HK$6,333
+HK$364/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$11,938/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,249
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,417
−HK$170/mo
Today · 4.125%
HK$6,587
baseline
▲ 0.50% · 4.625%
HK$6,934
+HK$347/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$13,174/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,222
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,447
−HK$228/mo
Today · 4.125%
HK$7,675
baseline
▲ 0.50% · 4.625%
HK$8,142
+HK$467/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,350/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$8,035
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$219/mo
Today · 4.125%
HK$8,469
baseline
▲ 0.50% · 4.625%
HK$8,915
+HK$446/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,938/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).