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$3,857
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,977
−HK$122/mo
Today · 4.125%
HK$4,099
baseline
▲ 0.50% · 4.625%
HK$4,349
+HK$250/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$8,198/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,291
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,407
−HK$116/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,762
+HK$239/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,629
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,773
−HK$146/mo
Today · 4.125%
HK$4,919
baseline
▲ 0.50% · 4.625%
HK$5,219
+HK$300/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$9,838/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,150
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,288
−HK$140/mo
Today · 4.125%
HK$5,428
baseline
▲ 0.50% · 4.625%
HK$5,714
+HK$286/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$10,856/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,400
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,568
−HK$171/mo
Today · 4.125%
HK$5,739
baseline
▲ 0.50% · 4.625%
HK$6,088
+HK$349/mo
Deposit HK$508K · loan HK$1.18M · min. income ≈ HK$11,478/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,008
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,169
−HK$164/mo
Today · 4.125%
HK$6,333
baseline
▲ 0.50% · 4.625%
HK$6,666
+HK$333/mo
Deposit HK$508K · loan HK$1.18M · min. income ≈ HK$12,666/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,943
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,159
−HK$220/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,758/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$7,725
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$210/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,284/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).