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$3,954
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,077
−HK$125/mo
Today · 4.125%
HK$4,202
baseline
▲ 0.50% · 4.625%
HK$4,458
+HK$256/mo
Deposit HK$867K · loan HK$867K · min. income ≈ HK$8,404/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,399
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,517
−HK$120/mo
Today · 4.125%
HK$4,637
baseline
▲ 0.50% · 4.625%
HK$4,881
+HK$244/mo
Deposit HK$867K · loan HK$867K · min. income ≈ HK$9,274/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,745
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$150/mo
Today · 4.125%
HK$5,043
baseline
▲ 0.50% · 4.625%
HK$5,350
+HK$307/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$10,086/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,279
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$143/mo
Today · 4.125%
HK$5,564
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$293/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$11,128/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,536
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$175/mo
Today · 4.125%
HK$5,883
baseline
▲ 0.50% · 4.625%
HK$6,241
+HK$358/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,766/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,159
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$168/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$342/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,984/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,118
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$225/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,128/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$7,918
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,131
−HK$215/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,692/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).