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$3,841
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,961
−HK$121/mo
Today · 4.125%
HK$4,082
baseline
▲ 0.50% · 4.625%
HK$4,331
+HK$249/mo
Deposit HK$842K · loan HK$842K · min. income ≈ HK$8,164/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$4,273
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,388
−HK$116/mo
Today · 4.125%
HK$4,504
baseline
▲ 0.50% · 4.625%
HK$4,742
+HK$238/mo
Deposit HK$842K · loan HK$842K · min. income ≈ HK$9,008/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$4,610
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,753
−HK$146/mo
Today · 4.125%
HK$4,899
baseline
▲ 0.50% · 4.625%
HK$5,197
+HK$298/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$9,798/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$5,128
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,266
−HK$139/mo
Today · 4.125%
HK$5,405
baseline
▲ 0.50% · 4.625%
HK$5,690
+HK$285/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$10,810/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$5,378
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,545
−HK$170/mo
Today · 4.125%
HK$5,715
baseline
▲ 0.50% · 4.625%
HK$6,063
+HK$348/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$11,430/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$5,983
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$163/mo
Today · 4.125%
HK$6,306
baseline
▲ 0.50% · 4.625%
HK$6,638
+HK$332/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$12,612/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$6,914
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,129
−HK$219/mo
Today · 4.125%
HK$7,348
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$447/mo
Deposit HK$168K · loan HK$1.52M · min. income ≈ HK$14,696/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$7,692
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$210/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$427/mo
Deposit HK$168K · loan HK$1.52M · min. income ≈ HK$16,216/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).