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$3,906
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,027
−HK$124/mo
Today · 4.125%
HK$4,151
baseline
▲ 0.50% · 4.625%
HK$4,403
+HK$252/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$8,302/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,345
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,462
−HK$118/mo
Today · 4.125%
HK$4,580
baseline
▲ 0.50% · 4.625%
HK$4,821
+HK$241/mo
Deposit HK$856K · loan HK$856K · min. income ≈ HK$9,160/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,687
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,833
−HK$148/mo
Today · 4.125%
HK$4,981
baseline
▲ 0.50% · 4.625%
HK$5,284
+HK$303/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$9,962/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,214
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,354
−HK$142/mo
Today · 4.125%
HK$5,496
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$289/mo
Deposit HK$685K · loan HK$1.03M · min. income ≈ HK$10,992/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,468
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,638
−HK$173/mo
Today · 4.125%
HK$5,811
baseline
▲ 0.50% · 4.625%
HK$6,164
+HK$353/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$11,622/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,083
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,246
−HK$166/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$338/mo
Deposit HK$514K · loan HK$1.20M · min. income ≈ HK$12,824/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,030
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,249
−HK$222/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,926
+HK$455/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,942/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,821
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$213/mo
Today · 4.125%
HK$8,244
baseline
▲ 0.50% · 4.625%
HK$8,678
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,488/mo (50% DSR)
Upfront cash ≈ HK$171K (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).