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$3,937
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,059
−HK$124/mo
Today · 4.125%
HK$4,183
baseline
▲ 0.50% · 4.625%
HK$4,438
+HK$255/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,366/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$4,379
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$119/mo
Today · 4.125%
HK$4,616
baseline
▲ 0.50% · 4.625%
HK$4,859
+HK$243/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,232/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$4,724
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,871
−HK$149/mo
Today · 4.125%
HK$5,020
baseline
▲ 0.50% · 4.625%
HK$5,326
+HK$306/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,040/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,255
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,396
−HK$143/mo
Today · 4.125%
HK$5,539
baseline
▲ 0.50% · 4.625%
HK$5,831
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,078/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,511
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,683
−HK$174/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,213
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,714/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$6,131
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$166/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,924/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$7,086
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$224/mo
Today · 4.125%
HK$7,530
baseline
▲ 0.50% · 4.625%
HK$7,988
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,060/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$7,883
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$215/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,618/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).