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$247/mo
▼ 0.25% · 3.875%
HK$4,067
−HK$125/mo
Today · 4.125%
HK$4,192
baseline
▲ 0.50% · 4.625%
HK$4,447
+HK$255/mo
Deposit HK$865K · loan HK$865K · min. income ≈ HK$8,384/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$4,388
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,506
−HK$119/mo
Today · 4.125%
HK$4,625
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$244/mo
Deposit HK$865K · loan HK$865K · min. income ≈ HK$9,250/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$4,733
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,881
−HK$149/mo
Today · 4.125%
HK$5,030
baseline
▲ 0.50% · 4.625%
HK$5,336
+HK$306/mo
Deposit HK$692K · loan HK$1.04M · min. income ≈ HK$10,060/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$5,266
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,407
−HK$143/mo
Today · 4.125%
HK$5,550
baseline
▲ 0.50% · 4.625%
HK$5,843
+HK$293/mo
Deposit HK$692K · loan HK$1.04M · min. income ≈ HK$11,100/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$5,522
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$175/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,226
+HK$357/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$11,738/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$6,144
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$167/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$342/mo
Deposit HK$519K · loan HK$1.21M · min. income ≈ HK$12,950/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$7,100
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$224/mo
Today · 4.125%
HK$7,545
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,090/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$7,899
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$215/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,764
+HK$438/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,652/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).