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$3,901
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,022
−HK$124/mo
Today · 4.125%
HK$4,146
baseline
▲ 0.50% · 4.625%
HK$4,398
+HK$252/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$8,292/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,340
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,456
−HK$118/mo
Today · 4.125%
HK$4,574
baseline
▲ 0.50% · 4.625%
HK$4,815
+HK$241/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$9,148/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,681
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,827
−HK$148/mo
Today · 4.125%
HK$4,975
baseline
▲ 0.50% · 4.625%
HK$5,277
+HK$302/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$9,950/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,208
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,347
−HK$142/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,778
+HK$289/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$10,978/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,461
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,631
−HK$173/mo
Today · 4.125%
HK$5,804
baseline
▲ 0.50% · 4.625%
HK$6,157
+HK$353/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,608/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,076
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$165/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$338/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,808/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,022
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,240
−HK$222/mo
Today · 4.125%
HK$7,462
baseline
▲ 0.50% · 4.625%
HK$7,916
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,924/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$7,812
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$213/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,668
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,468/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).