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$3,831
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,950
−HK$122/mo
Today · 4.125%
HK$4,072
baseline
▲ 0.50% · 4.625%
HK$4,319
+HK$247/mo
Deposit HK$840K · loan HK$840K · min. income ≈ HK$8,144/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,262
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,377
−HK$116/mo
Today · 4.125%
HK$4,493
baseline
▲ 0.50% · 4.625%
HK$4,729
+HK$236/mo
Deposit HK$840K · loan HK$840K · min. income ≈ HK$8,986/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,598
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,741
−HK$145/mo
Today · 4.125%
HK$4,886
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$297/mo
Deposit HK$672K · loan HK$1.01M · min. income ≈ HK$9,772/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,115
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,252
−HK$139/mo
Today · 4.125%
HK$5,391
baseline
▲ 0.50% · 4.625%
HK$5,675
+HK$284/mo
Deposit HK$672K · loan HK$1.01M · min. income ≈ HK$10,782/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,364
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,531
−HK$169/mo
Today · 4.125%
HK$5,700
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$347/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$11,400/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,967
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,127
−HK$163/mo
Today · 4.125%
HK$6,290
baseline
▲ 0.50% · 4.625%
HK$6,621
+HK$331/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$12,580/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,896
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,111
−HK$218/mo
Today · 4.125%
HK$7,329
baseline
▲ 0.50% · 4.625%
HK$7,775
+HK$446/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,658/mo (50% DSR)
Upfront cash ≈ HK$168K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,672
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,878
−HK$209/mo
Today · 4.125%
HK$8,087
baseline
▲ 0.50% · 4.625%
HK$8,513
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,174/mo (50% DSR)
Upfront cash ≈ HK$168K (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).