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$3,896
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,017
−HK$124/mo
Today · 4.125%
HK$4,141
baseline
▲ 0.50% · 4.625%
HK$4,392
+HK$251/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$8,282/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,451
−HK$118/mo
Today · 4.125%
HK$4,569
baseline
▲ 0.50% · 4.625%
HK$4,810
+HK$241/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$9,138/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,675
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$148/mo
Today · 4.125%
HK$4,969
baseline
▲ 0.50% · 4.625%
HK$5,271
+HK$302/mo
Deposit HK$683K · loan HK$1.03M · min. income ≈ HK$9,938/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,201
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,341
−HK$141/mo
Today · 4.125%
HK$5,482
baseline
▲ 0.50% · 4.625%
HK$5,771
+HK$289/mo
Deposit HK$683K · loan HK$1.03M · min. income ≈ HK$10,964/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,455
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,624
−HK$173/mo
Today · 4.125%
HK$5,797
baseline
▲ 0.50% · 4.625%
HK$6,149
+HK$352/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,594/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,068
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,231
−HK$165/mo
Today · 4.125%
HK$6,396
baseline
▲ 0.50% · 4.625%
HK$6,733
+HK$337/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,792/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,013
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,231
−HK$222/mo
Today · 4.125%
HK$7,453
baseline
▲ 0.50% · 4.625%
HK$7,906
+HK$453/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,906/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$7,802
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$213/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,657
+HK$433/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,448/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).