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$3,869
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,990
−HK$122/mo
Today · 4.125%
HK$4,112
baseline
▲ 0.50% · 4.625%
HK$4,362
+HK$250/mo
Deposit HK$848K · loan HK$848K · min. income ≈ HK$8,224/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,305
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,420
−HK$117/mo
Today · 4.125%
HK$4,537
baseline
▲ 0.50% · 4.625%
HK$4,776
+HK$239/mo
Deposit HK$848K · loan HK$848K · min. income ≈ HK$9,074/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,643
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,788
−HK$146/mo
Today · 4.125%
HK$4,934
baseline
▲ 0.50% · 4.625%
HK$5,235
+HK$301/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$9,868/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,165
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,304
−HK$141/mo
Today · 4.125%
HK$5,445
baseline
▲ 0.50% · 4.625%
HK$5,732
+HK$287/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$10,890/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,417
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$171/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,107
+HK$350/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$11,514/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,026
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$164/mo
Today · 4.125%
HK$6,352
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$335/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$12,704/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,965
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$220/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,852
+HK$451/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,802/mo (50% DSR)
Upfront cash ≈ HK$170K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,748
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,956
−HK$211/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$430/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,334/mo (50% DSR)
Upfront cash ≈ HK$170K (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).