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$3,845
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,964
−HK$122/mo
Today · 4.125%
HK$4,086
baseline
▲ 0.50% · 4.625%
HK$4,334
+HK$248/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$8,172/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,277
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,392
−HK$116/mo
Today · 4.125%
HK$4,508
baseline
▲ 0.50% · 4.625%
HK$4,746
+HK$238/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$9,016/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,614
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,757
−HK$146/mo
Today · 4.125%
HK$4,903
baseline
▲ 0.50% · 4.625%
HK$5,201
+HK$298/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$9,806/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$5,133
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,270
−HK$140/mo
Today · 4.125%
HK$5,410
baseline
▲ 0.50% · 4.625%
HK$5,695
+HK$285/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$10,820/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$5,383
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,550
−HK$170/mo
Today · 4.125%
HK$5,720
baseline
▲ 0.50% · 4.625%
HK$6,068
+HK$348/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,440/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$5,988
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,149
−HK$163/mo
Today · 4.125%
HK$6,312
baseline
▲ 0.50% · 4.625%
HK$6,644
+HK$332/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,624/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$6,921
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$219/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$447/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,710/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$7,699
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$209/mo
Today · 4.125%
HK$8,115
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,230/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).