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$3,836
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,955
−HK$121/mo
Today · 4.125%
HK$4,076
baseline
▲ 0.50% · 4.625%
HK$4,324
+HK$248/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,152/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,267
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,381
−HK$117/mo
Today · 4.125%
HK$4,498
baseline
▲ 0.50% · 4.625%
HK$4,735
+HK$237/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,996/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,603
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,746
−HK$145/mo
Today · 4.125%
HK$4,891
baseline
▲ 0.50% · 4.625%
HK$5,189
+HK$298/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$9,782/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,120
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,258
−HK$139/mo
Today · 4.125%
HK$5,397
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$284/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$10,794/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,370
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$169/mo
Today · 4.125%
HK$5,706
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$348/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$11,412/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,974
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,134
−HK$163/mo
Today · 4.125%
HK$6,297
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$331/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$12,594/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,904
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$218/mo
Today · 4.125%
HK$7,337
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$446/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,674/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$7,681
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,887
−HK$209/mo
Today · 4.125%
HK$8,096
baseline
▲ 0.50% · 4.625%
HK$8,522
+HK$426/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,192/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).