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$3,912
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,034
−HK$124/mo
Today · 4.125%
HK$4,158
baseline
▲ 0.50% · 4.625%
HK$4,411
+HK$253/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$8,316/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$4,352
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,469
−HK$118/mo
Today · 4.125%
HK$4,587
baseline
▲ 0.50% · 4.625%
HK$4,829
+HK$242/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$9,174/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$4,695
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,841
−HK$148/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,293
+HK$304/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$9,978/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$5,223
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,363
−HK$142/mo
Today · 4.125%
HK$5,505
baseline
▲ 0.50% · 4.625%
HK$5,795
+HK$290/mo
Deposit HK$686K · loan HK$1.03M · min. income ≈ HK$11,010/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$5,477
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,647
−HK$174/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,175
+HK$354/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$11,642/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$6,093
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,257
−HK$165/mo
Today · 4.125%
HK$6,422
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$339/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$12,844/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$7,042
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,261
−HK$223/mo
Today · 4.125%
HK$7,484
baseline
▲ 0.50% · 4.625%
HK$7,939
+HK$455/mo
Deposit HK$172K · loan HK$1.54M · min. income ≈ HK$14,968/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$7,834
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,044
−HK$213/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,693
+HK$436/mo
Deposit HK$172K · loan HK$1.54M · min. income ≈ HK$16,514/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).