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$3,964
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,087
−HK$125/mo
Today · 4.125%
HK$4,212
baseline
▲ 0.50% · 4.625%
HK$4,468
+HK$256/mo
Deposit HK$869K · loan HK$869K · min. income ≈ HK$8,424/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,409
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,528
−HK$120/mo
Today · 4.125%
HK$4,648
baseline
▲ 0.50% · 4.625%
HK$4,893
+HK$245/mo
Deposit HK$869K · loan HK$869K · min. income ≈ HK$9,296/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,756
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$150/mo
Today · 4.125%
HK$5,054
baseline
▲ 0.50% · 4.625%
HK$5,362
+HK$308/mo
Deposit HK$695K · loan HK$1.04M · min. income ≈ HK$10,108/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,291
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,433
−HK$144/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$294/mo
Deposit HK$695K · loan HK$1.04M · min. income ≈ HK$11,154/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,549
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,722
−HK$175/mo
Today · 4.125%
HK$5,897
baseline
▲ 0.50% · 4.625%
HK$6,256
+HK$359/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$11,794/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,173
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,339
−HK$168/mo
Today · 4.125%
HK$6,507
baseline
▲ 0.50% · 4.625%
HK$6,850
+HK$343/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$13,014/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,134
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$226/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$461/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,164/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$7,937
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$216/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,807
+HK$441/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,732/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).