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$3,950
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,073
−HK$125/mo
Today · 4.125%
HK$4,198
baseline
▲ 0.50% · 4.625%
HK$4,454
+HK$256/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$8,396/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,395
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,513
−HK$119/mo
Today · 4.125%
HK$4,632
baseline
▲ 0.50% · 4.625%
HK$4,876
+HK$244/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$9,264/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,741
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,888
−HK$150/mo
Today · 4.125%
HK$5,038
baseline
▲ 0.50% · 4.625%
HK$5,344
+HK$306/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$10,076/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,274
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$144/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,852
+HK$293/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$11,118/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,531
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,703
−HK$174/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,235
+HK$358/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,754/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$6,153
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$167/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,827
+HK$342/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,970/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$7,111
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$225/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,114/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$7,911
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,123
−HK$215/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,676/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).