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$3,893
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,014
−HK$123/mo
Today · 4.125%
HK$4,137
baseline
▲ 0.50% · 4.625%
HK$4,389
+HK$252/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$8,274/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,331
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,447
−HK$118/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,806
+HK$241/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,672
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$148/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$302/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$9,930/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,197
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,337
−HK$141/mo
Today · 4.125%
HK$5,478
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$289/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$10,956/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,450
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,620
−HK$172/mo
Today · 4.125%
HK$5,792
baseline
▲ 0.50% · 4.625%
HK$6,144
+HK$352/mo
Deposit HK$512K · loan HK$1.20M · min. income ≈ HK$11,584/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,063
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,226
−HK$165/mo
Today · 4.125%
HK$6,391
baseline
▲ 0.50% · 4.625%
HK$6,728
+HK$337/mo
Deposit HK$512K · loan HK$1.20M · min. income ≈ HK$12,782/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,007
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,225
−HK$222/mo
Today · 4.125%
HK$7,447
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$453/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,894/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,796
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$212/mo
Today · 4.125%
HK$8,217
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$433/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,434/mo (50% DSR)
Upfront cash ≈ HK$171K (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).