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$3,824
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,943
−HK$120/mo
Today · 4.125%
HK$4,063
baseline
▲ 0.50% · 4.625%
HK$4,311
+HK$248/mo
Deposit HK$838K · loan HK$838K · min. income ≈ HK$8,126/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$4,254
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,368
−HK$116/mo
Today · 4.125%
HK$4,484
baseline
▲ 0.50% · 4.625%
HK$4,720
+HK$236/mo
Deposit HK$838K · loan HK$838K · min. income ≈ HK$8,968/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$4,588
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,731
−HK$145/mo
Today · 4.125%
HK$4,876
baseline
▲ 0.50% · 4.625%
HK$5,173
+HK$297/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$9,752/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,104
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,241
−HK$139/mo
Today · 4.125%
HK$5,380
baseline
▲ 0.50% · 4.625%
HK$5,664
+HK$284/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$10,760/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,353
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$169/mo
Today · 4.125%
HK$5,689
baseline
▲ 0.50% · 4.625%
HK$6,035
+HK$346/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$11,378/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,955
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,115
−HK$162/mo
Today · 4.125%
HK$6,277
baseline
▲ 0.50% · 4.625%
HK$6,608
+HK$331/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$12,554/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,883
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,097
−HK$217/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$445/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,628/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$7,657
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$208/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,140/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).