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$3,894
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,015
−HK$123/mo
Today · 4.125%
HK$4,138
baseline
▲ 0.50% · 4.625%
HK$4,390
+HK$252/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$8,276/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,332
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,448
−HK$118/mo
Today · 4.125%
HK$4,566
baseline
▲ 0.50% · 4.625%
HK$4,806
+HK$240/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$9,132/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,672
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,818
−HK$147/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$302/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$9,930/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,198
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,337
−HK$142/mo
Today · 4.125%
HK$5,479
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$288/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$10,958/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,451
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,621
−HK$172/mo
Today · 4.125%
HK$5,793
baseline
▲ 0.50% · 4.625%
HK$6,145
+HK$352/mo
Deposit HK$512K · loan HK$1.20M · min. income ≈ HK$11,586/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,064
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,227
−HK$165/mo
Today · 4.125%
HK$6,392
baseline
▲ 0.50% · 4.625%
HK$6,729
+HK$337/mo
Deposit HK$512K · loan HK$1.20M · min. income ≈ HK$12,784/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,008
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$222/mo
Today · 4.125%
HK$7,448
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$453/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,896/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$7,797
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$212/mo
Today · 4.125%
HK$8,218
baseline
▲ 0.50% · 4.625%
HK$8,651
+HK$433/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,436/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).