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$3,955
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,078
−HK$125/mo
Today · 4.125%
HK$4,203
baseline
▲ 0.50% · 4.625%
HK$4,459
+HK$256/mo
Deposit HK$867K · loan HK$867K · min. income ≈ HK$8,406/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,400
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,518
−HK$120/mo
Today · 4.125%
HK$4,638
baseline
▲ 0.50% · 4.625%
HK$4,883
+HK$245/mo
Deposit HK$867K · loan HK$867K · min. income ≈ HK$9,276/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,747
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,894
−HK$150/mo
Today · 4.125%
HK$5,044
baseline
▲ 0.50% · 4.625%
HK$5,351
+HK$307/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$10,088/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$5,280
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,422
−HK$144/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,859
+HK$293/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$11,132/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$5,538
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,710
−HK$175/mo
Today · 4.125%
HK$5,885
baseline
▲ 0.50% · 4.625%
HK$6,243
+HK$358/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,770/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,161
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,326
−HK$167/mo
Today · 4.125%
HK$6,493
baseline
▲ 0.50% · 4.625%
HK$6,836
+HK$343/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,986/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,120
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$225/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$461/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,132/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$7,921
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,133
−HK$216/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,789
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,698/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).