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$3,886
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,007
−HK$123/mo
Today · 4.125%
HK$4,130
baseline
▲ 0.50% · 4.625%
HK$4,381
+HK$251/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$8,260/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,323
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,439
−HK$118/mo
Today · 4.125%
HK$4,557
baseline
▲ 0.50% · 4.625%
HK$4,797
+HK$240/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$9,114/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,663
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,808
−HK$148/mo
Today · 4.125%
HK$4,956
baseline
▲ 0.50% · 4.625%
HK$5,257
+HK$301/mo
Deposit HK$682K · loan HK$1.02M · min. income ≈ HK$9,912/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,188
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,327
−HK$141/mo
Today · 4.125%
HK$5,468
baseline
▲ 0.50% · 4.625%
HK$5,757
+HK$289/mo
Deposit HK$682K · loan HK$1.02M · min. income ≈ HK$10,936/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,441
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,610
−HK$172/mo
Today · 4.125%
HK$5,782
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$352/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,564/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,053
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,215
−HK$165/mo
Today · 4.125%
HK$6,380
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$336/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,760/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,995
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,213
−HK$221/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,886
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,868/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,782
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$211/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$433/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,404/mo (50% DSR)
Upfront cash ≈ HK$171K (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).