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$3,903
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,025
−HK$123/mo
Today · 4.125%
HK$4,148
baseline
▲ 0.50% · 4.625%
HK$4,400
+HK$252/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$8,296/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,342
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,459
−HK$118/mo
Today · 4.125%
HK$4,577
baseline
▲ 0.50% · 4.625%
HK$4,818
+HK$241/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$9,154/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,684
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,830
−HK$148/mo
Today · 4.125%
HK$4,978
baseline
▲ 0.50% · 4.625%
HK$5,281
+HK$303/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$9,956/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,211
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,351
−HK$141/mo
Today · 4.125%
HK$5,492
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$290/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$10,984/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,465
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,635
−HK$172/mo
Today · 4.125%
HK$5,807
baseline
▲ 0.50% · 4.625%
HK$6,161
+HK$354/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$11,614/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,079
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,242
−HK$166/mo
Today · 4.125%
HK$6,408
baseline
▲ 0.50% · 4.625%
HK$6,746
+HK$338/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$12,816/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,026
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$223/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,934/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,816
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$213/mo
Today · 4.125%
HK$8,239
baseline
▲ 0.50% · 4.625%
HK$8,673
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,478/mo (50% DSR)
Upfront cash ≈ HK$171K (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).