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$3,849
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,969
−HK$122/mo
Today · 4.125%
HK$4,091
baseline
▲ 0.50% · 4.625%
HK$4,339
+HK$248/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$8,182/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,282
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,397
−HK$117/mo
Today · 4.125%
HK$4,514
baseline
▲ 0.50% · 4.625%
HK$4,751
+HK$237/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$9,028/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,619
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,763
−HK$146/mo
Today · 4.125%
HK$4,909
baseline
▲ 0.50% · 4.625%
HK$5,207
+HK$298/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$9,818/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$5,139
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,276
−HK$140/mo
Today · 4.125%
HK$5,416
baseline
▲ 0.50% · 4.625%
HK$5,702
+HK$286/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$10,832/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$5,389
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,556
−HK$171/mo
Today · 4.125%
HK$5,727
baseline
▲ 0.50% · 4.625%
HK$6,075
+HK$348/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,454/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$5,995
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,156
−HK$163/mo
Today · 4.125%
HK$6,319
baseline
▲ 0.50% · 4.625%
HK$6,652
+HK$333/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,638/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$6,929
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,144
−HK$219/mo
Today · 4.125%
HK$7,363
baseline
▲ 0.50% · 4.625%
HK$7,811
+HK$448/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,726/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$7,708
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,915
−HK$209/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,248/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).