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$3,826
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,945
−HK$121/mo
Today · 4.125%
HK$4,066
baseline
▲ 0.50% · 4.625%
HK$4,313
+HK$247/mo
Deposit HK$839K · loan HK$839K · min. income ≈ HK$8,132/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,256
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,370
−HK$116/mo
Today · 4.125%
HK$4,486
baseline
▲ 0.50% · 4.625%
HK$4,723
+HK$237/mo
Deposit HK$839K · loan HK$839K · min. income ≈ HK$8,972/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,591
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$145/mo
Today · 4.125%
HK$4,879
baseline
▲ 0.50% · 4.625%
HK$5,176
+HK$297/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$9,758/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,108
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,244
−HK$139/mo
Today · 4.125%
HK$5,383
baseline
▲ 0.50% · 4.625%
HK$5,667
+HK$284/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$10,766/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,356
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,523
−HK$169/mo
Today · 4.125%
HK$5,692
baseline
▲ 0.50% · 4.625%
HK$6,038
+HK$346/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$11,384/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,959
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,119
−HK$162/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,612
+HK$331/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$12,562/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,887
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,101
−HK$217/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$446/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,636/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$7,661
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,867
−HK$208/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,150/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).