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$3,934
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,056
−HK$124/mo
Today · 4.125%
HK$4,180
baseline
▲ 0.50% · 4.625%
HK$4,435
+HK$255/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,360/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,376
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,494
−HK$119/mo
Today · 4.125%
HK$4,613
baseline
▲ 0.50% · 4.625%
HK$4,856
+HK$243/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,226/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,720
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$149/mo
Today · 4.125%
HK$5,016
baseline
▲ 0.50% · 4.625%
HK$5,322
+HK$306/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$10,032/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,251
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$143/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,827
+HK$292/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$11,070/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,507
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$174/mo
Today · 4.125%
HK$5,852
baseline
▲ 0.50% · 4.625%
HK$6,209
+HK$357/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,704/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,127
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,291
−HK$167/mo
Today · 4.125%
HK$6,458
baseline
▲ 0.50% · 4.625%
HK$6,798
+HK$340/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,916/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,081
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$224/mo
Today · 4.125%
HK$7,525
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$457/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,050/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$7,877
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$215/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$437/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,606/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).