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$3,942
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,065
−HK$124/mo
Today · 4.125%
HK$4,189
baseline
▲ 0.50% · 4.625%
HK$4,444
+HK$255/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$8,378/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,386
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,503
−HK$119/mo
Today · 4.125%
HK$4,622
baseline
▲ 0.50% · 4.625%
HK$4,866
+HK$244/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$9,244/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,730
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,878
−HK$149/mo
Today · 4.125%
HK$5,027
baseline
▲ 0.50% · 4.625%
HK$5,333
+HK$306/mo
Deposit HK$692K · loan HK$1.04M · min. income ≈ HK$10,054/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,263
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,404
−HK$143/mo
Today · 4.125%
HK$5,547
baseline
▲ 0.50% · 4.625%
HK$5,839
+HK$292/mo
Deposit HK$692K · loan HK$1.04M · min. income ≈ HK$11,094/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,519
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,691
−HK$174/mo
Today · 4.125%
HK$5,865
baseline
▲ 0.50% · 4.625%
HK$6,222
+HK$357/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$11,730/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,140
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,304
−HK$167/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,813
+HK$342/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$12,942/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,096
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,316
−HK$225/mo
Today · 4.125%
HK$7,541
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$459/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,082/mo (50% DSR)
Upfront cash ≈ HK$173K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,894
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$214/mo
Today · 4.125%
HK$8,320
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$439/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,640/mo (50% DSR)
Upfront cash ≈ HK$173K (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).