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$3,933
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,056
−HK$124/mo
Today · 4.125%
HK$4,180
baseline
▲ 0.50% · 4.625%
HK$4,434
+HK$254/mo
Deposit HK$862K · loan HK$862K · min. income ≈ HK$8,360/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,376
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,493
−HK$119/mo
Today · 4.125%
HK$4,612
baseline
▲ 0.50% · 4.625%
HK$4,855
+HK$243/mo
Deposit HK$862K · loan HK$862K · min. income ≈ HK$9,224/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,720
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$149/mo
Today · 4.125%
HK$5,016
baseline
▲ 0.50% · 4.625%
HK$5,321
+HK$305/mo
Deposit HK$690K · loan HK$1.03M · min. income ≈ HK$10,032/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,251
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$143/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,826
+HK$291/mo
Deposit HK$690K · loan HK$1.03M · min. income ≈ HK$11,070/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,507
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$174/mo
Today · 4.125%
HK$5,852
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$356/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$11,704/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,126
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$167/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,797
+HK$340/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$12,914/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,080
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$224/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$458/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,048/mo (50% DSR)
Upfront cash ≈ HK$173K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,876
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$214/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$437/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,604/mo (50% DSR)
Upfront cash ≈ HK$173K (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).