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$3,840
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,959
−HK$122/mo
Today · 4.125%
HK$4,081
baseline
▲ 0.50% · 4.625%
HK$4,329
+HK$248/mo
Deposit HK$842K · loan HK$842K · min. income ≈ HK$8,162/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,272
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,386
−HK$117/mo
Today · 4.125%
HK$4,503
baseline
▲ 0.50% · 4.625%
HK$4,740
+HK$237/mo
Deposit HK$842K · loan HK$842K · min. income ≈ HK$9,006/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,608
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,751
−HK$146/mo
Today · 4.125%
HK$4,897
baseline
▲ 0.50% · 4.625%
HK$5,195
+HK$298/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$9,794/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,126
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,264
−HK$139/mo
Today · 4.125%
HK$5,403
baseline
▲ 0.50% · 4.625%
HK$5,688
+HK$285/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$10,806/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,376
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,543
−HK$170/mo
Today · 4.125%
HK$5,713
baseline
▲ 0.50% · 4.625%
HK$6,061
+HK$348/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$11,426/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$5,981
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$163/mo
Today · 4.125%
HK$6,304
baseline
▲ 0.50% · 4.625%
HK$6,636
+HK$332/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$12,608/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$6,912
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$218/mo
Today · 4.125%
HK$7,345
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$447/mo
Deposit HK$168K · loan HK$1.52M · min. income ≈ HK$14,690/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$7,689
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,896
−HK$209/mo
Today · 4.125%
HK$8,105
baseline
▲ 0.50% · 4.625%
HK$8,532
+HK$427/mo
Deposit HK$168K · loan HK$1.52M · min. income ≈ HK$16,210/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).