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$3,884
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,005
−HK$123/mo
Today · 4.125%
HK$4,128
baseline
▲ 0.50% · 4.625%
HK$4,379
+HK$251/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$8,256/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,321
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,437
−HK$118/mo
Today · 4.125%
HK$4,555
baseline
▲ 0.50% · 4.625%
HK$4,795
+HK$240/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$9,110/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,661
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,806
−HK$148/mo
Today · 4.125%
HK$4,954
baseline
▲ 0.50% · 4.625%
HK$5,255
+HK$301/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,908/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,186
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$141/mo
Today · 4.125%
HK$5,466
baseline
▲ 0.50% · 4.625%
HK$5,754
+HK$288/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,932/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,438
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$172/mo
Today · 4.125%
HK$5,779
baseline
▲ 0.50% · 4.625%
HK$6,131
+HK$352/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,558/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,050
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,212
−HK$165/mo
Today · 4.125%
HK$6,377
baseline
▲ 0.50% · 4.625%
HK$6,713
+HK$336/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,754/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,992
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$221/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,882
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,860/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$7,778
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$212/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,631
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,398/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).