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$3,951
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,074
−HK$125/mo
Today · 4.125%
HK$4,199
baseline
▲ 0.50% · 4.625%
HK$4,454
+HK$255/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$8,398/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$4,395
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,513
−HK$120/mo
Today · 4.125%
HK$4,633
baseline
▲ 0.50% · 4.625%
HK$4,877
+HK$244/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$9,266/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$4,741
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,889
−HK$149/mo
Today · 4.125%
HK$5,038
baseline
▲ 0.50% · 4.625%
HK$5,345
+HK$307/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$10,076/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$5,274
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$143/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,852
+HK$293/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$11,118/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$5,531
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,703
−HK$175/mo
Today · 4.125%
HK$5,878
baseline
▲ 0.50% · 4.625%
HK$6,236
+HK$358/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,756/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$6,153
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$168/mo
Today · 4.125%
HK$6,486
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$342/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,972/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$7,112
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,333
−HK$225/mo
Today · 4.125%
HK$7,558
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$459/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,116/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$7,912
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,124
−HK$215/mo
Today · 4.125%
HK$8,339
baseline
▲ 0.50% · 4.625%
HK$8,779
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,678/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).