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$3,930
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,053
−HK$124/mo
Today · 4.125%
HK$4,177
baseline
▲ 0.50% · 4.625%
HK$4,431
+HK$254/mo
Deposit HK$862K · loan HK$862K · min. income ≈ HK$8,354/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$4,372
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,490
−HK$119/mo
Today · 4.125%
HK$4,609
baseline
▲ 0.50% · 4.625%
HK$4,852
+HK$243/mo
Deposit HK$862K · loan HK$862K · min. income ≈ HK$9,218/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$4,716
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,863
−HK$149/mo
Today · 4.125%
HK$5,012
baseline
▲ 0.50% · 4.625%
HK$5,317
+HK$305/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$10,024/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$5,247
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,388
−HK$142/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$292/mo
Deposit HK$689K · loan HK$1.03M · min. income ≈ HK$11,060/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$5,502
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,674
−HK$173/mo
Today · 4.125%
HK$5,847
baseline
▲ 0.50% · 4.625%
HK$6,203
+HK$356/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$11,694/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$6,121
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,286
−HK$166/mo
Today · 4.125%
HK$6,452
baseline
▲ 0.50% · 4.625%
HK$6,792
+HK$340/mo
Deposit HK$517K · loan HK$1.21M · min. income ≈ HK$12,904/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$7,075
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$223/mo
Today · 4.125%
HK$7,518
baseline
▲ 0.50% · 4.625%
HK$7,976
+HK$458/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,036/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$7,870
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,081
−HK$215/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,733
+HK$437/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,592/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).