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$3,956
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,079
−HK$125/mo
Today · 4.125%
HK$4,204
baseline
▲ 0.50% · 4.625%
HK$4,460
+HK$256/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$8,408/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,401
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,519
−HK$120/mo
Today · 4.125%
HK$4,639
baseline
▲ 0.50% · 4.625%
HK$4,884
+HK$245/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$9,278/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,748
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,895
−HK$150/mo
Today · 4.125%
HK$5,045
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$307/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$10,090/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,282
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$144/mo
Today · 4.125%
HK$5,567
baseline
▲ 0.50% · 4.625%
HK$5,860
+HK$293/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$11,134/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,539
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,711
−HK$175/mo
Today · 4.125%
HK$5,886
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$358/mo
Deposit HK$521K · loan HK$1.21M · min. income ≈ HK$11,772/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,162
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$168/mo
Today · 4.125%
HK$6,495
baseline
▲ 0.50% · 4.625%
HK$6,837
+HK$342/mo
Deposit HK$521K · loan HK$1.21M · min. income ≈ HK$12,990/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,121
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$225/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$460/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,136/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,922
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$216/mo
Today · 4.125%
HK$8,351
baseline
▲ 0.50% · 4.625%
HK$8,791
+HK$440/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,702/mo (50% DSR)
Upfront cash ≈ HK$174K (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).