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$3,883
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,004
−HK$122/mo
Today · 4.125%
HK$4,126
baseline
▲ 0.50% · 4.625%
HK$4,377
+HK$251/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$8,252/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,320
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,435
−HK$118/mo
Today · 4.125%
HK$4,553
baseline
▲ 0.50% · 4.625%
HK$4,793
+HK$240/mo
Deposit HK$851K · loan HK$851K · min. income ≈ HK$9,106/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,659
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,804
−HK$148/mo
Today · 4.125%
HK$4,952
baseline
▲ 0.50% · 4.625%
HK$5,253
+HK$301/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$9,904/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,184
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$141/mo
Today · 4.125%
HK$5,464
baseline
▲ 0.50% · 4.625%
HK$5,752
+HK$288/mo
Deposit HK$681K · loan HK$1.02M · min. income ≈ HK$10,928/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,436
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,605
−HK$172/mo
Today · 4.125%
HK$5,777
baseline
▲ 0.50% · 4.625%
HK$6,128
+HK$351/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$11,554/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,047
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$164/mo
Today · 4.125%
HK$6,374
baseline
▲ 0.50% · 4.625%
HK$6,710
+HK$336/mo
Deposit HK$511K · loan HK$1.19M · min. income ≈ HK$12,748/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,989
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,207
−HK$220/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,879
+HK$452/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$14,854/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$7,775
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$211/mo
Today · 4.125%
HK$8,195
baseline
▲ 0.50% · 4.625%
HK$8,627
+HK$432/mo
Deposit HK$170K · loan HK$1.53M · min. income ≈ HK$16,390/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).