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$3,892
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,014
−HK$123/mo
Today · 4.125%
HK$4,137
baseline
▲ 0.50% · 4.625%
HK$4,388
+HK$251/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$8,274/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,330
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,446
−HK$118/mo
Today · 4.125%
HK$4,564
baseline
▲ 0.50% · 4.625%
HK$4,805
+HK$241/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$9,128/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,671
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$148/mo
Today · 4.125%
HK$4,964
baseline
▲ 0.50% · 4.625%
HK$5,266
+HK$302/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$9,928/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,196
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,336
−HK$141/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$289/mo
Deposit HK$683K · loan HK$1.02M · min. income ≈ HK$10,954/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,449
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,619
−HK$172/mo
Today · 4.125%
HK$5,791
baseline
▲ 0.50% · 4.625%
HK$6,143
+HK$352/mo
Deposit HK$512K · loan HK$1.19M · min. income ≈ HK$11,582/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,062
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$165/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,727
+HK$337/mo
Deposit HK$512K · loan HK$1.19M · min. income ≈ HK$12,780/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,006
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,224
−HK$222/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$453/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,892/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$7,795
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$212/mo
Today · 4.125%
HK$8,216
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$433/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,432/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).