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$3,873
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,994
−HK$122/mo
Today · 4.125%
HK$4,116
baseline
▲ 0.50% · 4.625%
HK$4,367
+HK$251/mo
Deposit HK$849K · loan HK$849K · min. income ≈ HK$8,232/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,309
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,425
−HK$117/mo
Today · 4.125%
HK$4,542
baseline
▲ 0.50% · 4.625%
HK$4,781
+HK$239/mo
Deposit HK$849K · loan HK$849K · min. income ≈ HK$9,084/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,648
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,793
−HK$147/mo
Today · 4.125%
HK$4,940
baseline
▲ 0.50% · 4.625%
HK$5,240
+HK$300/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$9,880/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$5,171
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$140/mo
Today · 4.125%
HK$5,450
baseline
▲ 0.50% · 4.625%
HK$5,738
+HK$288/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$10,900/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$5,423
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,591
−HK$172/mo
Today · 4.125%
HK$5,763
baseline
▲ 0.50% · 4.625%
HK$6,113
+HK$350/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$11,526/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$6,033
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$164/mo
Today · 4.125%
HK$6,359
baseline
▲ 0.50% · 4.625%
HK$6,694
+HK$335/mo
Deposit HK$510K · loan HK$1.19M · min. income ≈ HK$12,718/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$6,972
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,189
−HK$220/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,818/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$7,756
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,964
−HK$211/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,606
+HK$431/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,350/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).