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$3,962
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,085
−HK$126/mo
Today · 4.125%
HK$4,211
baseline
▲ 0.50% · 4.625%
HK$4,467
+HK$256/mo
Deposit HK$869K · loan HK$869K · min. income ≈ HK$8,422/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,408
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,526
−HK$120/mo
Today · 4.125%
HK$4,646
baseline
▲ 0.50% · 4.625%
HK$4,891
+HK$245/mo
Deposit HK$869K · loan HK$869K · min. income ≈ HK$9,292/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,754
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,902
−HK$151/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,360
+HK$307/mo
Deposit HK$695K · loan HK$1.04M · min. income ≈ HK$10,106/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,289
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$144/mo
Today · 4.125%
HK$5,575
baseline
▲ 0.50% · 4.625%
HK$5,869
+HK$294/mo
Deposit HK$695K · loan HK$1.04M · min. income ≈ HK$11,150/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,547
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,719
−HK$176/mo
Today · 4.125%
HK$5,895
baseline
▲ 0.50% · 4.625%
HK$6,253
+HK$358/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$11,790/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,171
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$168/mo
Today · 4.125%
HK$6,504
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$343/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$13,008/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,132
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,354
−HK$225/mo
Today · 4.125%
HK$7,579
baseline
▲ 0.50% · 4.625%
HK$8,040
+HK$461/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,158/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,934
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,147
−HK$216/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,803
+HK$440/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,726/mo (50% DSR)
Upfront cash ≈ HK$174K (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).