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$3,935
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,057
−HK$125/mo
Today · 4.125%
HK$4,182
baseline
▲ 0.50% · 4.625%
HK$4,436
+HK$254/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,364/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$4,378
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,495
−HK$119/mo
Today · 4.125%
HK$4,614
baseline
▲ 0.50% · 4.625%
HK$4,857
+HK$243/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,228/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$4,722
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,869
−HK$149/mo
Today · 4.125%
HK$5,018
baseline
▲ 0.50% · 4.625%
HK$5,324
+HK$306/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$10,036/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,253
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,394
−HK$143/mo
Today · 4.125%
HK$5,537
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$292/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$11,074/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,509
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,680
−HK$175/mo
Today · 4.125%
HK$5,855
baseline
▲ 0.50% · 4.625%
HK$6,211
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,710/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$6,129
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,293
−HK$167/mo
Today · 4.125%
HK$6,460
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$340/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,920/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$7,083
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$224/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,054/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$7,880
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$215/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$437/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,612/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).