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$3,900
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$124/mo
Today · 4.125%
HK$4,145
baseline
▲ 0.50% · 4.625%
HK$4,397
+HK$252/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$8,290/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$4,339
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,455
−HK$118/mo
Today · 4.125%
HK$4,573
baseline
▲ 0.50% · 4.625%
HK$4,814
+HK$241/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$9,146/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$4,680
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$148/mo
Today · 4.125%
HK$4,974
baseline
▲ 0.50% · 4.625%
HK$5,276
+HK$302/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$9,948/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$5,207
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,346
−HK$142/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,777
+HK$289/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$10,976/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$5,460
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,630
−HK$173/mo
Today · 4.125%
HK$5,803
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$353/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,606/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$6,074
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,237
−HK$166/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,740
+HK$337/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,806/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$7,020
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,239
−HK$221/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,920/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$7,810
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$213/mo
Today · 4.125%
HK$8,232
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,464/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).