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$4,315
+HK$247/mo
Deposit HK$839K · loan HK$839K · min. income ≈ HK$8,136/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,258
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,372
−HK$116/mo
Today · 4.125%
HK$4,488
baseline
▲ 0.50% · 4.625%
HK$4,725
+HK$237/mo
Deposit HK$839K · loan HK$839K · min. income ≈ HK$8,976/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,593
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,736
−HK$145/mo
Today · 4.125%
HK$4,881
baseline
▲ 0.50% · 4.625%
HK$5,178
+HK$297/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$9,762/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$5,110
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,247
−HK$139/mo
Today · 4.125%
HK$5,386
baseline
▲ 0.50% · 4.625%
HK$5,670
+HK$284/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$10,772/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$5,359
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,525
−HK$170/mo
Today · 4.125%
HK$5,695
baseline
▲ 0.50% · 4.625%
HK$6,041
+HK$346/mo
Deposit HK$504K · loan HK$1.17M · 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$5,961
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,121
−HK$162/mo
Today · 4.125%
HK$6,283
baseline
▲ 0.50% · 4.625%
HK$6,615
+HK$332/mo
Deposit HK$504K · loan HK$1.17M · min. income ≈ HK$12,566/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$6,890
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$218/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,767
+HK$445/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,644/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$7,665
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,870
−HK$209/mo
Today · 4.125%
HK$8,079
baseline
▲ 0.50% · 4.625%
HK$8,504
+HK$425/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,158/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).