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$3,864
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,985
−HK$122/mo
Today · 4.125%
HK$4,107
baseline
▲ 0.50% · 4.625%
HK$4,357
+HK$250/mo
Deposit HK$847K · loan HK$847K · min. income ≈ HK$8,214/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,299
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,414
−HK$117/mo
Today · 4.125%
HK$4,531
baseline
▲ 0.50% · 4.625%
HK$4,770
+HK$239/mo
Deposit HK$847K · loan HK$847K · min. income ≈ HK$9,062/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,637
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,782
−HK$146/mo
Today · 4.125%
HK$4,928
baseline
▲ 0.50% · 4.625%
HK$5,228
+HK$300/mo
Deposit HK$678K · loan HK$1.02M · min. income ≈ HK$9,856/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,159
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,297
−HK$141/mo
Today · 4.125%
HK$5,438
baseline
▲ 0.50% · 4.625%
HK$5,724
+HK$286/mo
Deposit HK$678K · loan HK$1.02M · min. income ≈ HK$10,876/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,410
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,578
−HK$171/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,099
+HK$350/mo
Deposit HK$508K · loan HK$1.19M · min. income ≈ HK$11,498/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,019
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,180
−HK$164/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,678
+HK$334/mo
Deposit HK$508K · loan HK$1.19M · min. income ≈ HK$12,688/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,956
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$220/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$450/mo
Deposit HK$169K · loan HK$1.53M · min. income ≈ HK$14,784/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$7,738
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,946
−HK$210/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,586
+HK$430/mo
Deposit HK$169K · loan HK$1.53M · min. income ≈ HK$16,312/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).