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$3,936
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,058
−HK$124/mo
Today · 4.125%
HK$4,182
baseline
▲ 0.50% · 4.625%
HK$4,437
+HK$255/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,364/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,378
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,496
−HK$119/mo
Today · 4.125%
HK$4,615
baseline
▲ 0.50% · 4.625%
HK$4,858
+HK$243/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,230/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,723
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,870
−HK$149/mo
Today · 4.125%
HK$5,019
baseline
▲ 0.50% · 4.625%
HK$5,324
+HK$305/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$10,038/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,254
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,395
−HK$143/mo
Today · 4.125%
HK$5,538
baseline
▲ 0.50% · 4.625%
HK$5,830
+HK$292/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$11,076/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,510
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$174/mo
Today · 4.125%
HK$5,855
baseline
▲ 0.50% · 4.625%
HK$6,212
+HK$357/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,710/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,130
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,294
−HK$167/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,801
+HK$340/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,922/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,084
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$224/mo
Today · 4.125%
HK$7,528
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,056/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$7,881
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$215/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,614/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).