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$3,875
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,995
−HK$123/mo
Today · 4.125%
HK$4,118
baseline
▲ 0.50% · 4.625%
HK$4,368
+HK$250/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$8,236/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,310
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,426
−HK$117/mo
Today · 4.125%
HK$4,543
baseline
▲ 0.50% · 4.625%
HK$4,783
+HK$240/mo
Deposit HK$850K · loan HK$850K · min. income ≈ HK$9,086/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,649
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$147/mo
Today · 4.125%
HK$4,941
baseline
▲ 0.50% · 4.625%
HK$5,242
+HK$301/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$9,882/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,173
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,311
−HK$141/mo
Today · 4.125%
HK$5,452
baseline
▲ 0.50% · 4.625%
HK$5,739
+HK$287/mo
Deposit HK$680K · loan HK$1.02M · min. income ≈ HK$10,904/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,593
−HK$172/mo
Today · 4.125%
HK$5,765
baseline
▲ 0.50% · 4.625%
HK$6,115
+HK$350/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$11,530/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,035
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,196
−HK$165/mo
Today · 4.125%
HK$6,361
baseline
▲ 0.50% · 4.625%
HK$6,696
+HK$335/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$12,722/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,974
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,191
−HK$221/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,863
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,824/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$7,759
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$211/mo
Today · 4.125%
HK$8,178
baseline
▲ 0.50% · 4.625%
HK$8,609
+HK$431/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,356/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).