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$3,888
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,009
−HK$123/mo
Today · 4.125%
HK$4,132
baseline
▲ 0.50% · 4.625%
HK$4,384
+HK$252/mo
Deposit HK$853K · loan HK$853K · min. income ≈ HK$8,264/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,326
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,442
−HK$118/mo
Today · 4.125%
HK$4,560
baseline
▲ 0.50% · 4.625%
HK$4,800
+HK$240/mo
Deposit HK$853K · loan HK$853K · min. income ≈ HK$9,120/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,666
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,811
−HK$148/mo
Today · 4.125%
HK$4,959
baseline
▲ 0.50% · 4.625%
HK$5,260
+HK$301/mo
Deposit HK$682K · loan HK$1.02M · min. income ≈ HK$9,918/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,191
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,330
−HK$141/mo
Today · 4.125%
HK$5,471
baseline
▲ 0.50% · 4.625%
HK$5,760
+HK$289/mo
Deposit HK$682K · loan HK$1.02M · min. income ≈ HK$10,942/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,444
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,613
−HK$172/mo
Today · 4.125%
HK$5,785
baseline
▲ 0.50% · 4.625%
HK$6,137
+HK$352/mo
Deposit HK$512K · loan HK$1.19M · min. income ≈ HK$11,570/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$6,056
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,219
−HK$164/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,720
+HK$337/mo
Deposit HK$512K · loan HK$1.19M · min. income ≈ HK$12,766/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$6,999
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$221/mo
Today · 4.125%
HK$7,438
baseline
▲ 0.50% · 4.625%
HK$7,891
+HK$453/mo
Deposit HK$171K · loan HK$1.53M · min. income ≈ HK$14,876/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$7,786
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$212/mo
Today · 4.125%
HK$8,207
baseline
▲ 0.50% · 4.625%
HK$8,640
+HK$433/mo
Deposit HK$171K · loan HK$1.53M · min. income ≈ HK$16,414/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).