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$3,948
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,071
−HK$125/mo
Today · 4.125%
HK$4,196
baseline
▲ 0.50% · 4.625%
HK$4,451
+HK$255/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$8,392/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$4,392
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,510
−HK$120/mo
Today · 4.125%
HK$4,630
baseline
▲ 0.50% · 4.625%
HK$4,874
+HK$244/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$9,260/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$4,738
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,885
−HK$150/mo
Today · 4.125%
HK$5,035
baseline
▲ 0.50% · 4.625%
HK$5,341
+HK$306/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$10,070/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$5,271
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$144/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,848
+HK$292/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$11,112/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$5,527
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,699
−HK$175/mo
Today · 4.125%
HK$5,874
baseline
▲ 0.50% · 4.625%
HK$6,232
+HK$358/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$11,748/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$6,149
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,314
−HK$167/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,823
+HK$342/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$12,962/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$7,107
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,328
−HK$224/mo
Today · 4.125%
HK$7,552
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,104/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$7,906
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,118
−HK$215/mo
Today · 4.125%
HK$8,333
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,666/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).