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$3,894
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,016
−HK$123/mo
Today · 4.125%
HK$4,139
baseline
▲ 0.50% · 4.625%
HK$4,390
+HK$251/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$8,278/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$4,332
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,449
−HK$118/mo
Today · 4.125%
HK$4,567
baseline
▲ 0.50% · 4.625%
HK$4,807
+HK$240/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$9,134/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$4,673
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,819
−HK$147/mo
Today · 4.125%
HK$4,966
baseline
▲ 0.50% · 4.625%
HK$5,269
+HK$303/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$9,932/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$5,199
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,338
−HK$142/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,769
+HK$289/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$10,960/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$5,452
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,622
−HK$172/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$353/mo
Deposit HK$512K · loan HK$1.20M · min. income ≈ HK$11,588/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$6,065
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$165/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,730
+HK$337/mo
Deposit HK$512K · loan HK$1.20M · min. income ≈ HK$12,786/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$7,010
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,228
−HK$222/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$453/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,900/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$7,798
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$212/mo
Today · 4.125%
HK$8,220
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$433/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,440/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).