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$3,853
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,973
−HK$122/mo
Today · 4.125%
HK$4,095
baseline
▲ 0.50% · 4.625%
HK$4,344
+HK$249/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$8,190/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,287
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,402
−HK$116/mo
Today · 4.125%
HK$4,518
baseline
▲ 0.50% · 4.625%
HK$4,757
+HK$239/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$9,036/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,624
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,768
−HK$146/mo
Today · 4.125%
HK$4,914
baseline
▲ 0.50% · 4.625%
HK$5,213
+HK$299/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$9,828/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,144
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,282
−HK$140/mo
Today · 4.125%
HK$5,422
baseline
▲ 0.50% · 4.625%
HK$5,708
+HK$286/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$10,844/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,395
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,563
−HK$170/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$349/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,466/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,002
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,163
−HK$163/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,659
+HK$333/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,652/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,936
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,152
−HK$219/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,820
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,742/mo (50% DSR)
Upfront cash ≈ HK$169K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,716
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,923
−HK$210/mo
Today · 4.125%
HK$8,133
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,266/mo (50% DSR)
Upfront cash ≈ HK$169K (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).