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$4,059
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,185
−HK$129/mo
Today · 4.125%
HK$4,314
baseline
▲ 0.50% · 4.625%
HK$4,576
+HK$262/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,628/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,516
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,637
−HK$123/mo
Today · 4.125%
HK$4,760
baseline
▲ 0.50% · 4.625%
HK$5,011
+HK$251/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,520/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,871
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,022
−HK$154/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,352/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,419
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$148/mo
Today · 4.125%
HK$5,712
baseline
▲ 0.50% · 4.625%
HK$6,013
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,424/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,683
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,859
−HK$180/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,407
+HK$368/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,078/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,322
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,492
−HK$172/mo
Today · 4.125%
HK$6,664
baseline
▲ 0.50% · 4.625%
HK$7,015
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,328/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,306
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$231/mo
Today · 4.125%
HK$7,765
baseline
▲ 0.50% · 4.625%
HK$8,237
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,530/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,128
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$221/mo
Today · 4.125%
HK$8,567
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,134/mo (50% DSR)
Upfront cash ≈ HK$178K (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).