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$3,919
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,041
−HK$123/mo
Today · 4.125%
HK$4,164
baseline
▲ 0.50% · 4.625%
HK$4,418
+HK$254/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$8,328/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,359
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,476
−HK$119/mo
Today · 4.125%
HK$4,595
baseline
▲ 0.50% · 4.625%
HK$4,837
+HK$242/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$9,190/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,702
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,849
−HK$148/mo
Today · 4.125%
HK$4,997
baseline
▲ 0.50% · 4.625%
HK$5,301
+HK$304/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$9,994/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,231
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,372
−HK$142/mo
Today · 4.125%
HK$5,514
baseline
▲ 0.50% · 4.625%
HK$5,805
+HK$291/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$11,028/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,486
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,657
−HK$173/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,185
+HK$355/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$11,660/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,103
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,267
−HK$166/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$339/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$12,866/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,054
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,273
−HK$223/mo
Today · 4.125%
HK$7,496
baseline
▲ 0.50% · 4.625%
HK$7,952
+HK$456/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$14,992/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,847
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$214/mo
Today · 4.125%
HK$8,271
baseline
▲ 0.50% · 4.625%
HK$8,707
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,542/mo (50% DSR)
Upfront cash ≈ HK$172K (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).