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$3,958
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,081
−HK$125/mo
Today · 4.125%
HK$4,206
baseline
▲ 0.50% · 4.625%
HK$4,462
+HK$256/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$8,412/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,403
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,522
−HK$119/mo
Today · 4.125%
HK$4,641
baseline
▲ 0.50% · 4.625%
HK$4,886
+HK$245/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$9,282/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,750
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,898
−HK$150/mo
Today · 4.125%
HK$5,048
baseline
▲ 0.50% · 4.625%
HK$5,355
+HK$307/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$10,096/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,284
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,426
−HK$144/mo
Today · 4.125%
HK$5,570
baseline
▲ 0.50% · 4.625%
HK$5,863
+HK$293/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$11,140/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,541
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$175/mo
Today · 4.125%
HK$5,889
baseline
▲ 0.50% · 4.625%
HK$6,247
+HK$358/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$11,778/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,165
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,330
−HK$168/mo
Today · 4.125%
HK$6,498
baseline
▲ 0.50% · 4.625%
HK$6,840
+HK$342/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$12,996/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,125
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$226/mo
Today · 4.125%
HK$7,572
baseline
▲ 0.50% · 4.625%
HK$8,032
+HK$460/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,144/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,926
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,139
−HK$215/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,795
+HK$441/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,708/mo (50% DSR)
Upfront cash ≈ HK$174K (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).