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$3,920
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,042
−HK$124/mo
Today · 4.125%
HK$4,166
baseline
▲ 0.50% · 4.625%
HK$4,419
+HK$253/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$8,332/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,361
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,478
−HK$119/mo
Today · 4.125%
HK$4,597
baseline
▲ 0.50% · 4.625%
HK$4,839
+HK$242/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$9,194/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,704
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,850
−HK$149/mo
Today · 4.125%
HK$4,999
baseline
▲ 0.50% · 4.625%
HK$5,303
+HK$304/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$9,998/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,233
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,373
−HK$143/mo
Today · 4.125%
HK$5,516
baseline
▲ 0.50% · 4.625%
HK$5,807
+HK$291/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$11,032/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,488
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,659
−HK$173/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,187
+HK$355/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$11,664/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,105
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$166/mo
Today · 4.125%
HK$6,435
baseline
▲ 0.50% · 4.625%
HK$6,774
+HK$339/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$12,870/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,056
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,275
−HK$223/mo
Today · 4.125%
HK$7,498
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$457/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$14,996/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,850
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$214/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,710
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,548/mo (50% DSR)
Upfront cash ≈ HK$172K (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).