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$3,847
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,967
−HK$121/mo
Today · 4.125%
HK$4,088
baseline
▲ 0.50% · 4.625%
HK$4,337
+HK$249/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$8,176/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,280
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,394
−HK$117/mo
Today · 4.125%
HK$4,511
baseline
▲ 0.50% · 4.625%
HK$4,749
+HK$238/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$9,022/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,616
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,760
−HK$146/mo
Today · 4.125%
HK$4,906
baseline
▲ 0.50% · 4.625%
HK$5,204
+HK$298/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$9,812/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,136
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,273
−HK$140/mo
Today · 4.125%
HK$5,413
baseline
▲ 0.50% · 4.625%
HK$5,698
+HK$285/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$10,826/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,386
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,553
−HK$170/mo
Today · 4.125%
HK$5,723
baseline
▲ 0.50% · 4.625%
HK$6,072
+HK$349/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,446/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,991
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,152
−HK$163/mo
Today · 4.125%
HK$6,315
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$333/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,630/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,924
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,140
−HK$219/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$447/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,718/mo (50% DSR)
Upfront cash ≈ HK$169K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,703
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,910
−HK$210/mo
Today · 4.125%
HK$8,120
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,240/mo (50% DSR)
Upfront cash ≈ HK$169K (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).