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$3,917
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,038
−HK$124/mo
Today · 4.125%
HK$4,162
baseline
▲ 0.50% · 4.625%
HK$4,416
+HK$254/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$8,324/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,357
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,474
−HK$119/mo
Today · 4.125%
HK$4,593
baseline
▲ 0.50% · 4.625%
HK$4,835
+HK$242/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$9,186/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,700
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,846
−HK$149/mo
Today · 4.125%
HK$4,995
baseline
▲ 0.50% · 4.625%
HK$5,299
+HK$304/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$9,990/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,229
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$142/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,802
+HK$291/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$11,022/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,483
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,654
−HK$173/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,182
+HK$355/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$11,654/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,100
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,264
−HK$166/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$339/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$12,860/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,050
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$223/mo
Today · 4.125%
HK$7,492
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$456/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$14,984/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$7,843
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$214/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$435/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,534/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).