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$3,900
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$123/mo
Today · 4.125%
HK$4,144
baseline
▲ 0.50% · 4.625%
HK$4,396
+HK$252/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$8,288/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,338
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,455
−HK$118/mo
Today · 4.125%
HK$4,573
baseline
▲ 0.50% · 4.625%
HK$4,814
+HK$241/mo
Deposit HK$855K · loan HK$855K · min. income ≈ HK$9,146/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,680
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,825
−HK$148/mo
Today · 4.125%
HK$4,973
baseline
▲ 0.50% · 4.625%
HK$5,276
+HK$303/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$9,946/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,206
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,346
−HK$141/mo
Today · 4.125%
HK$5,487
baseline
▲ 0.50% · 4.625%
HK$5,776
+HK$289/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$10,974/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,459
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$173/mo
Today · 4.125%
HK$5,802
baseline
▲ 0.50% · 4.625%
HK$6,155
+HK$353/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,604/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,074
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$166/mo
Today · 4.125%
HK$6,402
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$337/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,804/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,019
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$221/mo
Today · 4.125%
HK$7,459
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$454/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,918/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$7,809
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$213/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,665
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,462/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).