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$3,953
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,076
−HK$125/mo
Today · 4.125%
HK$4,201
baseline
▲ 0.50% · 4.625%
HK$4,457
+HK$256/mo
Deposit HK$867K · loan HK$867K · min. income ≈ HK$8,402/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$4,398
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,516
−HK$119/mo
Today · 4.125%
HK$4,635
baseline
▲ 0.50% · 4.625%
HK$4,880
+HK$245/mo
Deposit HK$867K · loan HK$867K · min. income ≈ HK$9,270/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$4,744
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,891
−HK$150/mo
Today · 4.125%
HK$5,041
baseline
▲ 0.50% · 4.625%
HK$5,348
+HK$307/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$10,082/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$5,277
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$144/mo
Today · 4.125%
HK$5,563
baseline
▲ 0.50% · 4.625%
HK$5,856
+HK$293/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$11,126/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$5,534
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,707
−HK$175/mo
Today · 4.125%
HK$5,882
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$357/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,764/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$6,157
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$168/mo
Today · 4.125%
HK$6,490
baseline
▲ 0.50% · 4.625%
HK$6,832
+HK$342/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,980/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$7,116
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$225/mo
Today · 4.125%
HK$7,562
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,124/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$7,916
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$216/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,688/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).