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$3,949
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,072
−HK$125/mo
Today · 4.125%
HK$4,197
baseline
▲ 0.50% · 4.625%
HK$4,452
+HK$255/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$8,394/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$4,393
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,511
−HK$120/mo
Today · 4.125%
HK$4,631
baseline
▲ 0.50% · 4.625%
HK$4,875
+HK$244/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$9,262/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$4,739
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,886
−HK$150/mo
Today · 4.125%
HK$5,036
baseline
▲ 0.50% · 4.625%
HK$5,342
+HK$306/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$10,072/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$5,272
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,413
−HK$144/mo
Today · 4.125%
HK$5,557
baseline
▲ 0.50% · 4.625%
HK$5,850
+HK$293/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$11,114/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$5,529
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,701
−HK$174/mo
Today · 4.125%
HK$5,875
baseline
▲ 0.50% · 4.625%
HK$6,233
+HK$358/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,750/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$6,151
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,315
−HK$168/mo
Today · 4.125%
HK$6,483
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$342/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,966/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$7,108
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$225/mo
Today · 4.125%
HK$7,554
baseline
▲ 0.50% · 4.625%
HK$8,014
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,108/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$7,908
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$215/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$439/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,670/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).