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$3,876
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,997
−HK$122/mo
Today · 4.125%
HK$4,119
baseline
▲ 0.50% · 4.625%
HK$4,370
+HK$251/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$8,238/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$4,312
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,428
−HK$117/mo
Today · 4.125%
HK$4,545
baseline
▲ 0.50% · 4.625%
HK$4,785
+HK$240/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$9,090/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$291/mo
▼ 0.25% · 3.875%
HK$4,796
−HK$147/mo
Today · 4.125%
HK$4,943
baseline
▲ 0.50% · 4.625%
HK$5,244
+HK$301/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$9,886/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$5,175
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,314
−HK$140/mo
Today · 4.125%
HK$5,454
baseline
▲ 0.50% · 4.625%
HK$5,742
+HK$288/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$10,908/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$5,427
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$171/mo
Today · 4.125%
HK$5,767
baseline
▲ 0.50% · 4.625%
HK$6,118
+HK$351/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$11,534/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$6,037
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$164/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,699
+HK$336/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$12,726/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$6,977
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$221/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,830/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$7,762
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$212/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$431/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,364/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).