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$3,835
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,954
−HK$121/mo
Today · 4.125%
HK$4,075
baseline
▲ 0.50% · 4.625%
HK$4,323
+HK$248/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,150/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$4,266
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,380
−HK$117/mo
Today · 4.125%
HK$4,497
baseline
▲ 0.50% · 4.625%
HK$4,734
+HK$237/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,994/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$4,602
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,745
−HK$145/mo
Today · 4.125%
HK$4,890
baseline
▲ 0.50% · 4.625%
HK$5,188
+HK$298/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$9,780/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$5,119
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$139/mo
Today · 4.125%
HK$5,396
baseline
▲ 0.50% · 4.625%
HK$5,680
+HK$284/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$10,792/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$5,369
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,536
−HK$169/mo
Today · 4.125%
HK$5,705
baseline
▲ 0.50% · 4.625%
HK$6,052
+HK$347/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$11,410/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,972
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,133
−HK$162/mo
Today · 4.125%
HK$6,295
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$332/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$12,590/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,902
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$218/mo
Today · 4.125%
HK$7,335
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$447/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,670/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$7,679
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$209/mo
Today · 4.125%
HK$8,094
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,188/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).