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$3,911
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,033
−HK$123/mo
Today · 4.125%
HK$4,156
baseline
▲ 0.50% · 4.625%
HK$4,409
+HK$253/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$8,312/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$4,351
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,468
−HK$118/mo
Today · 4.125%
HK$4,586
baseline
▲ 0.50% · 4.625%
HK$4,828
+HK$242/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$9,172/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$4,693
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,839
−HK$148/mo
Today · 4.125%
HK$4,987
baseline
▲ 0.50% · 4.625%
HK$5,291
+HK$304/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$9,974/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,221
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$142/mo
Today · 4.125%
HK$5,503
baseline
▲ 0.50% · 4.625%
HK$5,793
+HK$290/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$11,006/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,475
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,646
−HK$173/mo
Today · 4.125%
HK$5,819
baseline
▲ 0.50% · 4.625%
HK$6,173
+HK$354/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$11,638/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$6,091
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$165/mo
Today · 4.125%
HK$6,420
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$339/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$12,840/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$7,040
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$222/mo
Today · 4.125%
HK$7,481
baseline
▲ 0.50% · 4.625%
HK$7,936
+HK$455/mo
Deposit HK$172K · loan HK$1.54M · min. income ≈ HK$14,962/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$7,831
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$213/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$435/mo
Deposit HK$172K · loan HK$1.54M · min. income ≈ HK$16,510/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).