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$3,927
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,049
−HK$124/mo
Today · 4.125%
HK$4,173
baseline
▲ 0.50% · 4.625%
HK$4,427
+HK$254/mo
Deposit HK$861K · loan HK$861K · min. income ≈ HK$8,346/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,369
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,486
−HK$119/mo
Today · 4.125%
HK$4,605
baseline
▲ 0.50% · 4.625%
HK$4,847
+HK$242/mo
Deposit HK$861K · loan HK$861K · min. income ≈ HK$9,210/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,712
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$149/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,312
+HK$304/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$10,016/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,242
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,383
−HK$143/mo
Today · 4.125%
HK$5,526
baseline
▲ 0.50% · 4.625%
HK$5,817
+HK$291/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$11,052/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,498
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$173/mo
Today · 4.125%
HK$5,842
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$356/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$11,684/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,116
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,280
−HK$166/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,786
+HK$340/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$12,892/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,068
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,288
−HK$224/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$457/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,024/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,863
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,074
−HK$214/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$437/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,576/mo (50% DSR)
Upfront cash ≈ HK$172K (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).