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$3,881
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,001
−HK$123/mo
Today · 4.125%
HK$4,124
baseline
▲ 0.50% · 4.625%
HK$4,375
+HK$251/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$8,248/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$4,317
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,433
−HK$117/mo
Today · 4.125%
HK$4,550
baseline
▲ 0.50% · 4.625%
HK$4,790
+HK$240/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$9,100/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$4,657
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,802
−HK$147/mo
Today · 4.125%
HK$4,949
baseline
▲ 0.50% · 4.625%
HK$5,250
+HK$301/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,898/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$5,181
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,320
−HK$141/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$287/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,922/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$5,433
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$172/mo
Today · 4.125%
HK$5,774
baseline
▲ 0.50% · 4.625%
HK$6,125
+HK$351/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,548/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$6,044
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,206
−HK$165/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$335/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,742/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$6,985
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$220/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,875
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,846/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$7,771
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$212/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,623
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,382/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).