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$3,828
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,947
−HK$121/mo
Today · 4.125%
HK$4,068
baseline
▲ 0.50% · 4.625%
HK$4,316
+HK$248/mo
Deposit HK$839K · loan HK$839K · min. income ≈ HK$8,136/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$4,259
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,373
−HK$116/mo
Today · 4.125%
HK$4,489
baseline
▲ 0.50% · 4.625%
HK$4,725
+HK$236/mo
Deposit HK$839K · loan HK$839K · min. income ≈ HK$8,978/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$4,594
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,737
−HK$145/mo
Today · 4.125%
HK$4,882
baseline
▲ 0.50% · 4.625%
HK$5,179
+HK$297/mo
Deposit HK$672K · loan HK$1.01M · min. income ≈ HK$9,764/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$5,111
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,248
−HK$139/mo
Today · 4.125%
HK$5,387
baseline
▲ 0.50% · 4.625%
HK$5,671
+HK$284/mo
Deposit HK$672K · loan HK$1.01M · min. income ≈ HK$10,774/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$5,359
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,526
−HK$169/mo
Today · 4.125%
HK$5,695
baseline
▲ 0.50% · 4.625%
HK$6,042
+HK$347/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$11,390/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$5,962
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,122
−HK$162/mo
Today · 4.125%
HK$6,284
baseline
▲ 0.50% · 4.625%
HK$6,616
+HK$332/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$12,568/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$6,891
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$218/mo
Today · 4.125%
HK$7,323
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$445/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,646/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$7,666
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,871
−HK$209/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,506
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,160/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).