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$3,834
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,953
−HK$121/mo
Today · 4.125%
HK$4,074
baseline
▲ 0.50% · 4.625%
HK$4,322
+HK$248/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,148/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,265
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,379
−HK$117/mo
Today · 4.125%
HK$4,496
baseline
▲ 0.50% · 4.625%
HK$4,732
+HK$236/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,992/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,601
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,744
−HK$145/mo
Today · 4.125%
HK$4,889
baseline
▲ 0.50% · 4.625%
HK$5,187
+HK$298/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$9,778/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,118
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,255
−HK$140/mo
Today · 4.125%
HK$5,395
baseline
▲ 0.50% · 4.625%
HK$5,679
+HK$284/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$10,790/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,367
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,534
−HK$170/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$347/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$11,408/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,971
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,131
−HK$163/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$331/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$12,588/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,901
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,116
−HK$218/mo
Today · 4.125%
HK$7,334
baseline
▲ 0.50% · 4.625%
HK$7,780
+HK$446/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,668/mo (50% DSR)
Upfront cash ≈ HK$168K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,677
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,883
−HK$209/mo
Today · 4.125%
HK$8,092
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,184/mo (50% DSR)
Upfront cash ≈ HK$168K (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).