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$3,883
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,004
−HK$123/mo
Today · 4.125%
HK$4,127
baseline
▲ 0.50% · 4.625%
HK$4,378
+HK$251/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$8,254/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$4,320
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,436
−HK$118/mo
Today · 4.125%
HK$4,554
baseline
▲ 0.50% · 4.625%
HK$4,794
+HK$240/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$9,108/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$4,660
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,805
−HK$147/mo
Today · 4.125%
HK$4,952
baseline
▲ 0.50% · 4.625%
HK$5,254
+HK$302/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,904/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,184
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$141/mo
Today · 4.125%
HK$5,464
baseline
▲ 0.50% · 4.625%
HK$5,752
+HK$288/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,928/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,437
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,606
−HK$172/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$351/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,556/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$6,048
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$164/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$336/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,750/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$6,990
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$220/mo
Today · 4.125%
HK$7,428
baseline
▲ 0.50% · 4.625%
HK$7,880
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,856/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$7,776
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$212/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,629
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,394/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).