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$3,913
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,035
−HK$124/mo
Today · 4.125%
HK$4,159
baseline
▲ 0.50% · 4.625%
HK$4,412
+HK$253/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$8,318/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,353
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,470
−HK$119/mo
Today · 4.125%
HK$4,589
baseline
▲ 0.50% · 4.625%
HK$4,831
+HK$242/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$9,178/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,696
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,842
−HK$148/mo
Today · 4.125%
HK$4,990
baseline
▲ 0.50% · 4.625%
HK$5,294
+HK$304/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$9,980/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,224
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,364
−HK$142/mo
Today · 4.125%
HK$5,506
baseline
▲ 0.50% · 4.625%
HK$5,797
+HK$291/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$11,012/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,479
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,649
−HK$173/mo
Today · 4.125%
HK$5,822
baseline
▲ 0.50% · 4.625%
HK$6,176
+HK$354/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$11,644/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,095
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,258
−HK$166/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$339/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$12,848/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,044
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$223/mo
Today · 4.125%
HK$7,486
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$455/mo
Deposit HK$172K · loan HK$1.54M · min. income ≈ HK$14,972/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$7,836
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$214/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$435/mo
Deposit HK$172K · loan HK$1.54M · min. income ≈ HK$16,520/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).