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$3,916
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,038
−HK$124/mo
Today · 4.125%
HK$4,162
baseline
▲ 0.50% · 4.625%
HK$4,415
+HK$253/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$8,324/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$4,356
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,473
−HK$119/mo
Today · 4.125%
HK$4,592
baseline
▲ 0.50% · 4.625%
HK$4,834
+HK$242/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$9,184/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$4,699
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,845
−HK$149/mo
Today · 4.125%
HK$4,994
baseline
▲ 0.50% · 4.625%
HK$5,298
+HK$304/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$9,988/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$5,228
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,368
−HK$142/mo
Today · 4.125%
HK$5,510
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$291/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$11,020/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$5,482
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,653
−HK$173/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,181
+HK$355/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$11,652/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$6,099
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,263
−HK$166/mo
Today · 4.125%
HK$6,429
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$338/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$12,858/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$7,049
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$223/mo
Today · 4.125%
HK$7,491
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$456/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$14,982/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$7,842
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$213/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,530/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).