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$3,888
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,009
−HK$123/mo
Today · 4.125%
HK$4,132
baseline
▲ 0.50% · 4.625%
HK$4,383
+HK$251/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$8,264/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,325
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,441
−HK$118/mo
Today · 4.125%
HK$4,559
baseline
▲ 0.50% · 4.625%
HK$4,799
+HK$240/mo
Deposit HK$852K · loan HK$852K · min. income ≈ HK$9,118/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,665
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$148/mo
Today · 4.125%
HK$4,958
baseline
▲ 0.50% · 4.625%
HK$5,259
+HK$301/mo
Deposit HK$682K · loan HK$1.02M · min. income ≈ HK$9,916/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,190
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,329
−HK$141/mo
Today · 4.125%
HK$5,470
baseline
▲ 0.50% · 4.625%
HK$5,759
+HK$289/mo
Deposit HK$682K · loan HK$1.02M · min. income ≈ HK$10,940/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,443
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$172/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,136
+HK$352/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,568/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,055
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,217
−HK$165/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$337/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,764/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,998
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$221/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,889
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,874/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,785
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,994
−HK$212/mo
Today · 4.125%
HK$8,206
baseline
▲ 0.50% · 4.625%
HK$8,638
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,412/mo (50% DSR)
Upfront cash ≈ HK$171K (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).