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$3,936
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,058
−HK$125/mo
Today · 4.125%
HK$4,183
baseline
▲ 0.50% · 4.625%
HK$4,437
+HK$254/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$236/mo
▼ 0.25% · 3.875%
HK$4,496
−HK$119/mo
Today · 4.125%
HK$4,615
baseline
▲ 0.50% · 4.625%
HK$4,859
+HK$244/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,230/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$4,723
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,870
−HK$149/mo
Today · 4.125%
HK$5,019
baseline
▲ 0.50% · 4.625%
HK$5,325
+HK$306/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$10,038/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$5,254
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,395
−HK$143/mo
Today · 4.125%
HK$5,538
baseline
▲ 0.50% · 4.625%
HK$5,830
+HK$292/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$11,076/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$5,510
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$174/mo
Today · 4.125%
HK$5,856
baseline
▲ 0.50% · 4.625%
HK$6,212
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,712/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$6,130
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,295
−HK$166/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,802
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,922/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$7,085
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$224/mo
Today · 4.125%
HK$7,529
baseline
▲ 0.50% · 4.625%
HK$7,987
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,058/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$7,882
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$214/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,614/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).