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$3,961
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,084
−HK$126/mo
Today · 4.125%
HK$4,210
baseline
▲ 0.50% · 4.625%
HK$4,466
+HK$256/mo
Deposit HK$869K · loan HK$869K · min. income ≈ HK$8,420/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,407
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,525
−HK$120/mo
Today · 4.125%
HK$4,645
baseline
▲ 0.50% · 4.625%
HK$4,890
+HK$245/mo
Deposit HK$869K · loan HK$869K · min. income ≈ HK$9,290/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,753
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,901
−HK$150/mo
Today · 4.125%
HK$5,051
baseline
▲ 0.50% · 4.625%
HK$5,359
+HK$308/mo
Deposit HK$695K · loan HK$1.04M · min. income ≈ HK$10,102/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,288
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,430
−HK$144/mo
Today · 4.125%
HK$5,574
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$294/mo
Deposit HK$695K · loan HK$1.04M · min. income ≈ HK$11,148/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,546
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$175/mo
Today · 4.125%
HK$5,893
baseline
▲ 0.50% · 4.625%
HK$6,252
+HK$359/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$11,786/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,169
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,335
−HK$168/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$343/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$13,006/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,130
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,352
−HK$225/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$461/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,154/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,932
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$216/mo
Today · 4.125%
HK$8,361
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$440/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,722/mo (50% DSR)
Upfront cash ≈ HK$174K (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).