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$3,881
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,002
−HK$123/mo
Today · 4.125%
HK$4,125
baseline
▲ 0.50% · 4.625%
HK$4,376
+HK$251/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$8,250/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,318
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,434
−HK$117/mo
Today · 4.125%
HK$4,551
baseline
▲ 0.50% · 4.625%
HK$4,791
+HK$240/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$9,102/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,658
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,802
−HK$148/mo
Today · 4.125%
HK$4,950
baseline
▲ 0.50% · 4.625%
HK$5,251
+HK$301/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,900/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,181
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,320
−HK$141/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,749
+HK$288/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,922/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,434
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,603
−HK$172/mo
Today · 4.125%
HK$5,775
baseline
▲ 0.50% · 4.625%
HK$6,126
+HK$351/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,550/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,045
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,207
−HK$165/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,708
+HK$336/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,744/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,986
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,204
−HK$220/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,876
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,848/mo (50% DSR)
Upfront cash ≈ HK$170K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,772
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$211/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,384/mo (50% DSR)
Upfront cash ≈ HK$170K (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).