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$3,940
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,063
−HK$125/mo
Today · 4.125%
HK$4,188
baseline
▲ 0.50% · 4.625%
HK$4,442
+HK$254/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$8,376/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,384
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,501
−HK$120/mo
Today · 4.125%
HK$4,621
baseline
▲ 0.50% · 4.625%
HK$4,864
+HK$243/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$9,242/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,729
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,876
−HK$149/mo
Today · 4.125%
HK$5,025
baseline
▲ 0.50% · 4.625%
HK$5,331
+HK$306/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,050/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$5,260
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,402
−HK$143/mo
Today · 4.125%
HK$5,545
baseline
▲ 0.50% · 4.625%
HK$5,837
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,090/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$5,517
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,688
−HK$175/mo
Today · 4.125%
HK$5,863
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,726/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,137
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,302
−HK$167/mo
Today · 4.125%
HK$6,469
baseline
▲ 0.50% · 4.625%
HK$6,810
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,938/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,093
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$225/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,996
+HK$458/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,076/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$7,891
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$215/mo
Today · 4.125%
HK$8,317
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$438/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,634/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).