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$3,885
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,006
−HK$122/mo
Today · 4.125%
HK$4,128
baseline
▲ 0.50% · 4.625%
HK$4,380
+HK$252/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$8,256/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$4,322
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,438
−HK$117/mo
Today · 4.125%
HK$4,555
baseline
▲ 0.50% · 4.625%
HK$4,795
+HK$240/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$9,110/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$4,662
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,807
−HK$147/mo
Today · 4.125%
HK$4,954
baseline
▲ 0.50% · 4.625%
HK$5,255
+HK$301/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,908/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$5,186
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$141/mo
Today · 4.125%
HK$5,466
baseline
▲ 0.50% · 4.625%
HK$5,754
+HK$288/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,932/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$5,439
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,608
−HK$172/mo
Today · 4.125%
HK$5,780
baseline
▲ 0.50% · 4.625%
HK$6,131
+HK$351/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,560/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$6,050
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,213
−HK$164/mo
Today · 4.125%
HK$6,377
baseline
▲ 0.50% · 4.625%
HK$6,713
+HK$336/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,754/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$6,992
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$221/mo
Today · 4.125%
HK$7,431
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,862/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$7,779
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,988
−HK$211/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,632
+HK$433/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,398/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).