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$3,942
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,064
−HK$125/mo
Today · 4.125%
HK$4,189
baseline
▲ 0.50% · 4.625%
HK$4,444
+HK$255/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$8,378/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,385
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,502
−HK$120/mo
Today · 4.125%
HK$4,622
baseline
▲ 0.50% · 4.625%
HK$4,865
+HK$243/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$9,244/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,730
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,877
−HK$149/mo
Today · 4.125%
HK$5,026
baseline
▲ 0.50% · 4.625%
HK$5,332
+HK$306/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,052/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,262
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,403
−HK$143/mo
Today · 4.125%
HK$5,546
baseline
▲ 0.50% · 4.625%
HK$5,839
+HK$293/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,092/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,518
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,690
−HK$174/mo
Today · 4.125%
HK$5,864
baseline
▲ 0.50% · 4.625%
HK$6,221
+HK$357/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$11,728/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,139
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,303
−HK$168/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$341/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$12,942/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,095
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$225/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$458/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,080/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$7,893
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$215/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,758
+HK$439/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,638/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).