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$3,905
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,027
−HK$123/mo
Today · 4.125%
HK$4,150
baseline
▲ 0.50% · 4.625%
HK$4,403
+HK$253/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$8,300/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,345
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,461
−HK$118/mo
Today · 4.125%
HK$4,579
baseline
▲ 0.50% · 4.625%
HK$4,821
+HK$242/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$9,158/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,686
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$148/mo
Today · 4.125%
HK$4,980
baseline
▲ 0.50% · 4.625%
HK$5,283
+HK$303/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$9,960/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,214
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,353
−HK$142/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$290/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$10,990/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,468
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,638
−HK$172/mo
Today · 4.125%
HK$5,810
baseline
▲ 0.50% · 4.625%
HK$6,164
+HK$354/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$11,620/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,083
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,246
−HK$165/mo
Today · 4.125%
HK$6,411
baseline
▲ 0.50% · 4.625%
HK$6,749
+HK$338/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$12,822/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,030
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,248
−HK$223/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,925
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,942/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,821
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,030
−HK$213/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,678
+HK$435/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,486/mo (50% DSR)
Upfront cash ≈ HK$171K (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).