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$3,926
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,048
−HK$124/mo
Today · 4.125%
HK$4,172
baseline
▲ 0.50% · 4.625%
HK$4,426
+HK$254/mo
Deposit HK$861K · loan HK$861K · min. income ≈ HK$8,344/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,368
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,485
−HK$119/mo
Today · 4.125%
HK$4,604
baseline
▲ 0.50% · 4.625%
HK$4,846
+HK$242/mo
Deposit HK$861K · loan HK$861K · min. income ≈ HK$9,208/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,711
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,858
−HK$149/mo
Today · 4.125%
HK$5,007
baseline
▲ 0.50% · 4.625%
HK$5,311
+HK$304/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$10,014/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,241
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,382
−HK$142/mo
Today · 4.125%
HK$5,524
baseline
▲ 0.50% · 4.625%
HK$5,816
+HK$292/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$11,048/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,496
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,667
−HK$174/mo
Today · 4.125%
HK$5,841
baseline
▲ 0.50% · 4.625%
HK$6,197
+HK$356/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$11,682/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,115
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$166/mo
Today · 4.125%
HK$6,445
baseline
▲ 0.50% · 4.625%
HK$6,785
+HK$340/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$12,890/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,067
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$223/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,967
+HK$457/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,020/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$7,862
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$214/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,574/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).