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$3,859
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,979
−HK$122/mo
Today · 4.125%
HK$4,101
baseline
▲ 0.50% · 4.625%
HK$4,350
+HK$249/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$8,202/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,293
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,408
−HK$117/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,763
+HK$238/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$9,050/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,631
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,775
−HK$146/mo
Today · 4.125%
HK$4,921
baseline
▲ 0.50% · 4.625%
HK$5,220
+HK$299/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$9,842/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,151
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,290
−HK$140/mo
Today · 4.125%
HK$5,430
baseline
▲ 0.50% · 4.625%
HK$5,716
+HK$286/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$10,860/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,402
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$171/mo
Today · 4.125%
HK$5,741
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$349/mo
Deposit HK$508K · loan HK$1.18M · min. income ≈ HK$11,482/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,010
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$164/mo
Today · 4.125%
HK$6,335
baseline
▲ 0.50% · 4.625%
HK$6,669
+HK$334/mo
Deposit HK$508K · loan HK$1.18M · min. income ≈ HK$12,670/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,946
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,162
−HK$219/mo
Today · 4.125%
HK$7,381
baseline
▲ 0.50% · 4.625%
HK$7,831
+HK$450/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,762/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$7,727
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$211/mo
Today · 4.125%
HK$8,145
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,290/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).