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$3,843
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,962
−HK$121/mo
Today · 4.125%
HK$4,083
baseline
▲ 0.50% · 4.625%
HK$4,332
+HK$249/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$8,166/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,275
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,389
−HK$117/mo
Today · 4.125%
HK$4,506
baseline
▲ 0.50% · 4.625%
HK$4,743
+HK$237/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$9,012/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,611
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,754
−HK$146/mo
Today · 4.125%
HK$4,900
baseline
▲ 0.50% · 4.625%
HK$5,198
+HK$298/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$9,800/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,130
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,267
−HK$140/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,692
+HK$285/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$10,814/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,380
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$170/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$348/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,434/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,985
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,145
−HK$163/mo
Today · 4.125%
HK$6,308
baseline
▲ 0.50% · 4.625%
HK$6,641
+HK$333/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,616/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,917
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$218/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,798
+HK$448/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,700/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$7,695
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,901
−HK$209/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,538
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,220/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).