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$3,862
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,982
−HK$122/mo
Today · 4.125%
HK$4,104
baseline
▲ 0.50% · 4.625%
HK$4,354
+HK$250/mo
Deposit HK$847K · loan HK$847K · min. income ≈ HK$8,208/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,296
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,411
−HK$117/mo
Today · 4.125%
HK$4,528
baseline
▲ 0.50% · 4.625%
HK$4,767
+HK$239/mo
Deposit HK$847K · loan HK$847K · min. income ≈ HK$9,056/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,634
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,778
−HK$147/mo
Today · 4.125%
HK$4,925
baseline
▲ 0.50% · 4.625%
HK$5,224
+HK$299/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$9,850/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,155
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,294
−HK$140/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,720
+HK$286/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$10,868/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,406
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$170/mo
Today · 4.125%
HK$5,745
baseline
▲ 0.50% · 4.625%
HK$6,095
+HK$350/mo
Deposit HK$508K · loan HK$1.19M · min. income ≈ HK$11,490/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,015
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,176
−HK$164/mo
Today · 4.125%
HK$6,340
baseline
▲ 0.50% · 4.625%
HK$6,674
+HK$334/mo
Deposit HK$508K · loan HK$1.19M · min. income ≈ HK$12,680/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,951
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$220/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$450/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,774/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$7,733
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$211/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$430/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,302/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).