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$3,850
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,970
−HK$122/mo
Today · 4.125%
HK$4,092
baseline
▲ 0.50% · 4.625%
HK$4,341
+HK$249/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$8,184/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$4,284
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,398
−HK$117/mo
Today · 4.125%
HK$4,515
baseline
▲ 0.50% · 4.625%
HK$4,753
+HK$238/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$9,030/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$4,620
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,764
−HK$146/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,209
+HK$299/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$9,820/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,140
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,278
−HK$140/mo
Today · 4.125%
HK$5,418
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$285/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$10,836/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,391
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,558
−HK$171/mo
Today · 4.125%
HK$5,729
baseline
▲ 0.50% · 4.625%
HK$6,077
+HK$348/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,458/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$5,997
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,158
−HK$163/mo
Today · 4.125%
HK$6,321
baseline
▲ 0.50% · 4.625%
HK$6,654
+HK$333/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,642/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$6,931
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,146
−HK$219/mo
Today · 4.125%
HK$7,365
baseline
▲ 0.50% · 4.625%
HK$7,813
+HK$448/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,730/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$7,710
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$210/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,254/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).