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$3,958
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,081
−HK$125/mo
Today · 4.125%
HK$4,206
baseline
▲ 0.50% · 4.625%
HK$4,462
+HK$256/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$8,412/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,403
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,521
−HK$120/mo
Today · 4.125%
HK$4,641
baseline
▲ 0.50% · 4.625%
HK$4,885
+HK$244/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$9,282/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,749
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,897
−HK$150/mo
Today · 4.125%
HK$5,047
baseline
▲ 0.50% · 4.625%
HK$5,354
+HK$307/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$10,094/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,283
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,425
−HK$144/mo
Today · 4.125%
HK$5,569
baseline
▲ 0.50% · 4.625%
HK$5,862
+HK$293/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$11,138/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,541
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,713
−HK$175/mo
Today · 4.125%
HK$5,888
baseline
▲ 0.50% · 4.625%
HK$6,247
+HK$359/mo
Deposit HK$521K · loan HK$1.21M · min. income ≈ HK$11,776/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,164
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,329
−HK$168/mo
Today · 4.125%
HK$6,497
baseline
▲ 0.50% · 4.625%
HK$6,840
+HK$343/mo
Deposit HK$521K · loan HK$1.21M · min. income ≈ HK$12,994/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,124
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,345
−HK$226/mo
Today · 4.125%
HK$7,571
baseline
▲ 0.50% · 4.625%
HK$8,031
+HK$460/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,142/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,925
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$215/mo
Today · 4.125%
HK$8,353
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$441/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,706/mo (50% DSR)
Upfront cash ≈ HK$174K (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).