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$3,877
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,998
−HK$122/mo
Today · 4.125%
HK$4,120
baseline
▲ 0.50% · 4.625%
HK$4,371
+HK$251/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$8,240/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,313
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$117/mo
Today · 4.125%
HK$4,546
baseline
▲ 0.50% · 4.625%
HK$4,786
+HK$240/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$9,092/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,652
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,797
−HK$147/mo
Today · 4.125%
HK$4,944
baseline
▲ 0.50% · 4.625%
HK$5,245
+HK$301/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$9,888/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,176
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,315
−HK$140/mo
Today · 4.125%
HK$5,455
baseline
▲ 0.50% · 4.625%
HK$5,743
+HK$288/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$10,910/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,428
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$171/mo
Today · 4.125%
HK$5,768
baseline
▲ 0.50% · 4.625%
HK$6,119
+HK$351/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$11,536/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,038
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$165/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,700
+HK$335/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$12,730/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,979
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$220/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,832/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$7,764
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$211/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,614
+HK$431/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,366/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).