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$4,038
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,164
−HK$128/mo
Today · 4.125%
HK$4,292
baseline
▲ 0.50% · 4.625%
HK$4,553
+HK$261/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,584/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,493
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,613
−HK$122/mo
Today · 4.125%
HK$4,735
baseline
▲ 0.50% · 4.625%
HK$4,985
+HK$250/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,470/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,846
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,997
−HK$153/mo
Today · 4.125%
HK$5,150
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$313/mo
Deposit HK$708K · loan HK$1.06M · min. income ≈ HK$10,300/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,391
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,536
−HK$146/mo
Today · 4.125%
HK$5,682
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$300/mo
Deposit HK$708K · loan HK$1.06M · min. income ≈ HK$11,364/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,654
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,830
−HK$178/mo
Today · 4.125%
HK$6,008
baseline
▲ 0.50% · 4.625%
HK$6,374
+HK$366/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$12,016/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,290
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,458
−HK$172/mo
Today · 4.125%
HK$6,630
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$349/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$13,260/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,269
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$230/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$470/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,450/mo (50% DSR)
Upfront cash ≈ HK$177K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,087
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$220/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$449/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,048/mo (50% DSR)
Upfront cash ≈ HK$177K (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).