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$3,950
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,072
−HK$125/mo
Today · 4.125%
HK$4,197
baseline
▲ 0.50% · 4.625%
HK$4,453
+HK$256/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$8,394/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$4,394
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,512
−HK$119/mo
Today · 4.125%
HK$4,631
baseline
▲ 0.50% · 4.625%
HK$4,875
+HK$244/mo
Deposit HK$866K · loan HK$866K · min. income ≈ HK$9,262/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$4,739
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,887
−HK$150/mo
Today · 4.125%
HK$5,037
baseline
▲ 0.50% · 4.625%
HK$5,343
+HK$306/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$10,074/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$5,273
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,414
−HK$143/mo
Today · 4.125%
HK$5,557
baseline
▲ 0.50% · 4.625%
HK$5,850
+HK$293/mo
Deposit HK$693K · loan HK$1.04M · min. income ≈ HK$11,114/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$5,529
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,701
−HK$175/mo
Today · 4.125%
HK$5,876
baseline
▲ 0.50% · 4.625%
HK$6,234
+HK$358/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$11,752/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$6,151
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,316
−HK$168/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$341/mo
Deposit HK$520K · loan HK$1.21M · min. income ≈ HK$12,968/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$7,109
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,330
−HK$225/mo
Today · 4.125%
HK$7,555
baseline
▲ 0.50% · 4.625%
HK$8,015
+HK$460/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$15,110/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$7,909
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,121
−HK$215/mo
Today · 4.125%
HK$8,336
baseline
▲ 0.50% · 4.625%
HK$8,776
+HK$440/mo
Deposit HK$173K · loan HK$1.56M · min. income ≈ HK$16,672/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).