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$3,924
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,046
−HK$124/mo
Today · 4.125%
HK$4,170
baseline
▲ 0.50% · 4.625%
HK$4,424
+HK$254/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$8,340/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$4,366
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,483
−HK$119/mo
Today · 4.125%
HK$4,602
baseline
▲ 0.50% · 4.625%
HK$4,844
+HK$242/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$9,204/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$4,709
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,856
−HK$148/mo
Today · 4.125%
HK$5,004
baseline
▲ 0.50% · 4.625%
HK$5,309
+HK$305/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$10,008/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,239
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,379
−HK$143/mo
Today · 4.125%
HK$5,522
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$291/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$11,044/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,494
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,665
−HK$174/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,194
+HK$355/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$11,678/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,112
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$166/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$340/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$12,884/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,064
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$224/mo
Today · 4.125%
HK$7,507
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$456/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,014/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$7,858
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,069
−HK$214/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,566/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).