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$3,880
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,001
−HK$122/mo
Today · 4.125%
HK$4,123
baseline
▲ 0.50% · 4.625%
HK$4,374
+HK$251/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$8,246/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$4,316
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,432
−HK$118/mo
Today · 4.125%
HK$4,550
baseline
▲ 0.50% · 4.625%
HK$4,789
+HK$239/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$4,656
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,801
−HK$147/mo
Today · 4.125%
HK$4,948
baseline
▲ 0.50% · 4.625%
HK$5,249
+HK$301/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,896/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$5,180
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,319
−HK$141/mo
Today · 4.125%
HK$5,460
baseline
▲ 0.50% · 4.625%
HK$5,747
+HK$287/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,920/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$5,432
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,601
−HK$172/mo
Today · 4.125%
HK$5,773
baseline
▲ 0.50% · 4.625%
HK$6,124
+HK$351/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$11,546/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$6,043
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,205
−HK$164/mo
Today · 4.125%
HK$6,369
baseline
▲ 0.50% · 4.625%
HK$6,705
+HK$336/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$12,738/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$6,984
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,201
−HK$221/mo
Today · 4.125%
HK$7,422
baseline
▲ 0.50% · 4.625%
HK$7,874
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,844/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$7,770
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,978
−HK$211/mo
Today · 4.125%
HK$8,189
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,378/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).