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$3,868
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,988
−HK$123/mo
Today · 4.125%
HK$4,111
baseline
▲ 0.50% · 4.625%
HK$4,361
+HK$250/mo
Deposit HK$848K · loan HK$848K · min. income ≈ HK$8,222/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,303
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,419
−HK$117/mo
Today · 4.125%
HK$4,536
baseline
▲ 0.50% · 4.625%
HK$4,775
+HK$239/mo
Deposit HK$848K · loan HK$848K · min. income ≈ HK$9,072/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,642
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,786
−HK$147/mo
Today · 4.125%
HK$4,933
baseline
▲ 0.50% · 4.625%
HK$5,233
+HK$300/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$9,866/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$5,164
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,302
−HK$141/mo
Today · 4.125%
HK$5,443
baseline
▲ 0.50% · 4.625%
HK$5,730
+HK$287/mo
Deposit HK$679K · loan HK$1.02M · min. income ≈ HK$10,886/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$5,415
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,584
−HK$171/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$350/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$11,510/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$6,025
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$164/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$335/mo
Deposit HK$509K · loan HK$1.19M · min. income ≈ HK$12,700/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$6,963
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$220/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,849
+HK$450/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,798/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$7,746
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,954
−HK$210/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,595
+HK$431/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,328/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).