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$3,937
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,059
−HK$125/mo
Today · 4.125%
HK$4,184
baseline
▲ 0.50% · 4.625%
HK$4,438
+HK$254/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,368/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,380
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$119/mo
Today · 4.125%
HK$4,616
baseline
▲ 0.50% · 4.625%
HK$4,860
+HK$244/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,232/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,724
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,871
−HK$150/mo
Today · 4.125%
HK$5,021
baseline
▲ 0.50% · 4.625%
HK$5,326
+HK$305/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,042/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,256
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,397
−HK$143/mo
Today · 4.125%
HK$5,540
baseline
▲ 0.50% · 4.625%
HK$5,832
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,080/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,512
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,683
−HK$174/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,214
+HK$357/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,714/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,132
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$167/mo
Today · 4.125%
HK$6,463
baseline
▲ 0.50% · 4.625%
HK$6,804
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,926/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,086
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,307
−HK$224/mo
Today · 4.125%
HK$7,531
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,062/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$7,884
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,095
−HK$215/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,620/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).