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$3,856
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,976
−HK$122/mo
Today · 4.125%
HK$4,098
baseline
▲ 0.50% · 4.625%
HK$4,347
+HK$249/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$8,196/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$4,290
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,405
−HK$116/mo
Today · 4.125%
HK$4,521
baseline
▲ 0.50% · 4.625%
HK$4,760
+HK$239/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$9,042/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$4,627
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,771
−HK$146/mo
Today · 4.125%
HK$4,917
baseline
▲ 0.50% · 4.625%
HK$5,216
+HK$299/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$9,834/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,148
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,286
−HK$140/mo
Today · 4.125%
HK$5,426
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$286/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$10,852/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,398
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,566
−HK$171/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,086
+HK$349/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,474/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,005
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$163/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$334/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,660/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,941
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$220/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,752/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$7,721
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$210/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,276/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).