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$3,929
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,051
−HK$124/mo
Today · 4.125%
HK$4,175
baseline
▲ 0.50% · 4.625%
HK$4,429
+HK$254/mo
Deposit HK$861K · loan HK$861K · min. income ≈ HK$8,350/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,371
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,488
−HK$119/mo
Today · 4.125%
HK$4,607
baseline
▲ 0.50% · 4.625%
HK$4,850
+HK$243/mo
Deposit HK$861K · loan HK$861K · min. income ≈ HK$9,214/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,715
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,861
−HK$149/mo
Today · 4.125%
HK$5,010
baseline
▲ 0.50% · 4.625%
HK$5,315
+HK$305/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$10,020/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,245
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,386
−HK$142/mo
Today · 4.125%
HK$5,528
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$292/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$11,056/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,500
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$174/mo
Today · 4.125%
HK$5,845
baseline
▲ 0.50% · 4.625%
HK$6,201
+HK$356/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$11,690/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,119
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,283
−HK$167/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$340/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$12,900/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,072
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$223/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,973
+HK$458/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,030/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,867
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,078
−HK$214/mo
Today · 4.125%
HK$8,292
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$438/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,584/mo (50% DSR)
Upfront cash ≈ HK$172K (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).