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$3,910
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,032
−HK$123/mo
Today · 4.125%
HK$4,155
baseline
▲ 0.50% · 4.625%
HK$4,408
+HK$253/mo
Deposit HK$857K · loan HK$857K · min. income ≈ HK$8,310/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$4,350
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,467
−HK$118/mo
Today · 4.125%
HK$4,585
baseline
▲ 0.50% · 4.625%
HK$4,827
+HK$242/mo
Deposit HK$857K · loan HK$857K · min. income ≈ HK$9,170/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$4,692
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,838
−HK$149/mo
Today · 4.125%
HK$4,987
baseline
▲ 0.50% · 4.625%
HK$5,290
+HK$303/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$5,220
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,360
−HK$142/mo
Today · 4.125%
HK$5,502
baseline
▲ 0.50% · 4.625%
HK$5,792
+HK$290/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$11,004/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$5,474
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,645
−HK$173/mo
Today · 4.125%
HK$5,818
baseline
▲ 0.50% · 4.625%
HK$6,172
+HK$354/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$11,636/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$6,090
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,254
−HK$165/mo
Today · 4.125%
HK$6,419
baseline
▲ 0.50% · 4.625%
HK$6,758
+HK$339/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$12,838/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$7,038
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,257
−HK$223/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$455/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,960/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$7,830
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,040
−HK$213/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,688
+HK$435/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,506/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).