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$3,935
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,057
−HK$124/mo
Today · 4.125%
HK$4,181
baseline
▲ 0.50% · 4.625%
HK$4,436
+HK$255/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,362/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$4,377
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,495
−HK$119/mo
Today · 4.125%
HK$4,614
baseline
▲ 0.50% · 4.625%
HK$4,857
+HK$243/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,228/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$4,721
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,868
−HK$150/mo
Today · 4.125%
HK$5,018
baseline
▲ 0.50% · 4.625%
HK$5,323
+HK$305/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$10,036/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,253
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$143/mo
Today · 4.125%
HK$5,536
baseline
▲ 0.50% · 4.625%
HK$5,828
+HK$292/mo
Deposit HK$690K · loan HK$1.04M · min. income ≈ HK$11,072/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,508
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,680
−HK$174/mo
Today · 4.125%
HK$5,854
baseline
▲ 0.50% · 4.625%
HK$6,210
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,708/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$6,128
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,292
−HK$167/mo
Today · 4.125%
HK$6,459
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,918/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$7,082
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$223/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,984
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,052/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$7,879
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,090
−HK$215/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$437/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,610/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).