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$3,871
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,992
−HK$122/mo
Today · 4.125%
HK$4,114
baseline
▲ 0.50% · 4.625%
HK$4,364
+HK$250/mo
Deposit HK$849K · loan HK$849K · min. income ≈ HK$8,228/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$232/mo
▼ 0.25% · 3.875%
HK$4,422
−HK$117/mo
Today · 4.125%
HK$4,539
baseline
▲ 0.50% · 4.625%
HK$4,779
+HK$240/mo
Deposit HK$849K · loan HK$849K · min. income ≈ HK$9,078/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$4,645
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,790
−HK$147/mo
Today · 4.125%
HK$4,937
baseline
▲ 0.50% · 4.625%
HK$5,237
+HK$300/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$9,874/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$5,168
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$141/mo
Today · 4.125%
HK$5,447
baseline
▲ 0.50% · 4.625%
HK$5,734
+HK$287/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$10,894/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$5,420
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$171/mo
Today · 4.125%
HK$5,759
baseline
▲ 0.50% · 4.625%
HK$6,110
+HK$351/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$11,518/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$6,029
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$164/mo
Today · 4.125%
HK$6,355
baseline
▲ 0.50% · 4.625%
HK$6,690
+HK$335/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$12,710/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$6,968
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$220/mo
Today · 4.125%
HK$7,405
baseline
▲ 0.50% · 4.625%
HK$7,856
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,810/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$7,752
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$211/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,601
+HK$430/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,342/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).