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$3,939
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,062
−HK$124/mo
Today · 4.125%
HK$4,186
baseline
▲ 0.50% · 4.625%
HK$4,441
+HK$255/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$8,372/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,383
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,500
−HK$119/mo
Today · 4.125%
HK$4,619
baseline
▲ 0.50% · 4.625%
HK$4,863
+HK$244/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$9,238/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,727
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,874
−HK$150/mo
Today · 4.125%
HK$5,024
baseline
▲ 0.50% · 4.625%
HK$5,329
+HK$305/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,048/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,259
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,400
−HK$143/mo
Today · 4.125%
HK$5,543
baseline
▲ 0.50% · 4.625%
HK$5,835
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,086/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,515
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$174/mo
Today · 4.125%
HK$5,861
baseline
▲ 0.50% · 4.625%
HK$6,218
+HK$357/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,722/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$6,136
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,300
−HK$167/mo
Today · 4.125%
HK$6,467
baseline
▲ 0.50% · 4.625%
HK$6,808
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,934/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$7,091
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$224/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,072/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$7,889
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$215/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,630/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).