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$3,848
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,967
−HK$122/mo
Today · 4.125%
HK$4,089
baseline
▲ 0.50% · 4.625%
HK$4,338
+HK$249/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$8,178/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,280
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,395
−HK$117/mo
Today · 4.125%
HK$4,512
baseline
▲ 0.50% · 4.625%
HK$4,749
+HK$237/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$9,024/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,617
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,761
−HK$146/mo
Today · 4.125%
HK$4,907
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$298/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$9,814/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,136
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$140/mo
Today · 4.125%
HK$5,414
baseline
▲ 0.50% · 4.625%
HK$5,699
+HK$285/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$10,828/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,387
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,554
−HK$170/mo
Today · 4.125%
HK$5,724
baseline
▲ 0.50% · 4.625%
HK$6,073
+HK$349/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,448/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,993
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,153
−HK$163/mo
Today · 4.125%
HK$6,316
baseline
▲ 0.50% · 4.625%
HK$6,649
+HK$333/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,632/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,926
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$219/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,808
+HK$448/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,720/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$7,705
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$210/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,242/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).