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$3,878
−HK$244/mo
▼ 0.25% · 3.875%
HK$3,999
−HK$123/mo
Today · 4.125%
HK$4,122
baseline
▲ 0.50% · 4.625%
HK$4,372
+HK$250/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$8,244/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,315
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,430
−HK$118/mo
Today · 4.125%
HK$4,548
baseline
▲ 0.50% · 4.625%
HK$4,788
+HK$240/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$9,096/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,654
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,799
−HK$147/mo
Today · 4.125%
HK$4,946
baseline
▲ 0.50% · 4.625%
HK$5,247
+HK$301/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$9,892/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,178
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$140/mo
Today · 4.125%
HK$5,457
baseline
▲ 0.50% · 4.625%
HK$5,745
+HK$288/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$10,914/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,430
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,599
−HK$171/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$351/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$11,540/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,041
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$164/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,703
+HK$336/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$12,734/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,981
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,198
−HK$221/mo
Today · 4.125%
HK$7,419
baseline
▲ 0.50% · 4.625%
HK$7,870
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,838/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$7,767
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$211/mo
Today · 4.125%
HK$8,186
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,372/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).