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$3,872
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,992
−HK$123/mo
Today · 4.125%
HK$4,115
baseline
▲ 0.50% · 4.625%
HK$4,365
+HK$250/mo
Deposit HK$849K · loan HK$849K · min. income ≈ HK$8,230/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,307
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,423
−HK$117/mo
Today · 4.125%
HK$4,540
baseline
▲ 0.50% · 4.625%
HK$4,779
+HK$239/mo
Deposit HK$849K · loan HK$849K · min. income ≈ HK$9,080/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,646
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,791
−HK$147/mo
Today · 4.125%
HK$4,938
baseline
▲ 0.50% · 4.625%
HK$5,238
+HK$300/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$9,876/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,169
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,308
−HK$140/mo
Today · 4.125%
HK$5,448
baseline
▲ 0.50% · 4.625%
HK$5,735
+HK$287/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$10,896/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,421
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,589
−HK$172/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,111
+HK$350/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$11,522/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,030
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$164/mo
Today · 4.125%
HK$6,356
baseline
▲ 0.50% · 4.625%
HK$6,691
+HK$335/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$12,712/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,969
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$220/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,857
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,812/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$7,753
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$211/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,603
+HK$431/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,344/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).