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$3,844
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,964
−HK$121/mo
Today · 4.125%
HK$4,085
baseline
▲ 0.50% · 4.625%
HK$4,334
+HK$249/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$8,170/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,276
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,391
−HK$116/mo
Today · 4.125%
HK$4,507
baseline
▲ 0.50% · 4.625%
HK$4,745
+HK$238/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$9,014/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,613
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,756
−HK$146/mo
Today · 4.125%
HK$4,902
baseline
▲ 0.50% · 4.625%
HK$5,200
+HK$298/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$9,804/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$5,132
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$140/mo
Today · 4.125%
HK$5,409
baseline
▲ 0.50% · 4.625%
HK$5,694
+HK$285/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$10,818/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$5,382
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,549
−HK$170/mo
Today · 4.125%
HK$5,719
baseline
▲ 0.50% · 4.625%
HK$6,067
+HK$348/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,438/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,987
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,147
−HK$163/mo
Today · 4.125%
HK$6,310
baseline
▲ 0.50% · 4.625%
HK$6,643
+HK$333/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,620/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,919
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$219/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$447/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,706/mo (50% DSR)
Upfront cash ≈ HK$169K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,697
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$209/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,226/mo (50% DSR)
Upfront cash ≈ HK$169K (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).