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$3,945
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,068
−HK$125/mo
Today · 4.125%
HK$4,193
baseline
▲ 0.50% · 4.625%
HK$4,448
+HK$255/mo
Deposit HK$865K · loan HK$865K · min. income ≈ HK$8,386/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,389
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,507
−HK$119/mo
Today · 4.125%
HK$4,626
baseline
▲ 0.50% · 4.625%
HK$4,870
+HK$244/mo
Deposit HK$865K · loan HK$865K · min. income ≈ HK$9,252/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,734
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,882
−HK$149/mo
Today · 4.125%
HK$5,031
baseline
▲ 0.50% · 4.625%
HK$5,337
+HK$306/mo
Deposit HK$692K · loan HK$1.04M · min. income ≈ HK$10,062/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$5,267
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,408
−HK$143/mo
Today · 4.125%
HK$5,551
baseline
▲ 0.50% · 4.625%
HK$5,844
+HK$293/mo
Deposit HK$692K · loan HK$1.04M · min. income ≈ HK$11,102/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$5,523
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$175/mo
Today · 4.125%
HK$5,870
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$357/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$11,740/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$6,145
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$168/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,818
+HK$341/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$12,954/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$7,101
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,322
−HK$225/mo
Today · 4.125%
HK$7,547
baseline
▲ 0.50% · 4.625%
HK$8,006
+HK$459/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,094/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$7,900
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,112
−HK$215/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,766
+HK$439/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,654/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).