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$3,899
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,020
−HK$123/mo
Today · 4.125%
HK$4,143
baseline
▲ 0.50% · 4.625%
HK$4,395
+HK$252/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$8,286/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$4,337
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,454
−HK$118/mo
Today · 4.125%
HK$4,572
baseline
▲ 0.50% · 4.625%
HK$4,813
+HK$241/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$9,144/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$4,678
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,824
−HK$148/mo
Today · 4.125%
HK$4,972
baseline
▲ 0.50% · 4.625%
HK$5,274
+HK$302/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$9,944/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$5,205
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$142/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,775
+HK$289/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$10,972/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$5,458
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,628
−HK$172/mo
Today · 4.125%
HK$5,800
baseline
▲ 0.50% · 4.625%
HK$6,153
+HK$353/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,600/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$6,072
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,235
−HK$165/mo
Today · 4.125%
HK$6,400
baseline
▲ 0.50% · 4.625%
HK$6,738
+HK$338/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,800/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$7,018
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$222/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,916/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$7,807
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$213/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,458/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).