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$3,830
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,949
−HK$121/mo
Today · 4.125%
HK$4,070
baseline
▲ 0.50% · 4.625%
HK$4,318
+HK$248/mo
Deposit HK$840K · loan HK$840K · min. income ≈ HK$8,140/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$4,261
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,375
−HK$116/mo
Today · 4.125%
HK$4,491
baseline
▲ 0.50% · 4.625%
HK$4,728
+HK$237/mo
Deposit HK$840K · loan HK$840K · min. income ≈ HK$8,982/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$4,596
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,739
−HK$146/mo
Today · 4.125%
HK$4,885
baseline
▲ 0.50% · 4.625%
HK$5,182
+HK$297/mo
Deposit HK$672K · loan HK$1.01M · min. income ≈ HK$9,770/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$5,113
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,251
−HK$139/mo
Today · 4.125%
HK$5,390
baseline
▲ 0.50% · 4.625%
HK$5,674
+HK$284/mo
Deposit HK$672K · loan HK$1.01M · min. income ≈ HK$10,780/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$5,362
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,529
−HK$170/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$6,045
+HK$346/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$11,398/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$5,966
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$162/mo
Today · 4.125%
HK$6,288
baseline
▲ 0.50% · 4.625%
HK$6,619
+HK$331/mo
Deposit HK$504K · loan HK$1.18M · min. income ≈ HK$12,576/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$6,895
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$218/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$446/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,654/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$7,670
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$208/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$427/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,168/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).