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$3,902
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,024
−HK$123/mo
Today · 4.125%
HK$4,147
baseline
▲ 0.50% · 4.625%
HK$4,400
+HK$253/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$8,294/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,341
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,458
−HK$118/mo
Today · 4.125%
HK$4,576
baseline
▲ 0.50% · 4.625%
HK$4,817
+HK$241/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$9,152/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,683
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,829
−HK$148/mo
Today · 4.125%
HK$4,977
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$302/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$9,954/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,210
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$142/mo
Today · 4.125%
HK$5,491
baseline
▲ 0.50% · 4.625%
HK$5,781
+HK$290/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$10,982/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,463
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,633
−HK$173/mo
Today · 4.125%
HK$5,806
baseline
▲ 0.50% · 4.625%
HK$6,159
+HK$353/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,612/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,078
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$165/mo
Today · 4.125%
HK$6,406
baseline
▲ 0.50% · 4.625%
HK$6,744
+HK$338/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,812/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,024
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$222/mo
Today · 4.125%
HK$7,465
baseline
▲ 0.50% · 4.625%
HK$7,919
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,930/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$7,815
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$213/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,474/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).