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$3,820
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,939
−HK$121/mo
Today · 4.125%
HK$4,060
baseline
▲ 0.50% · 4.625%
HK$4,307
+HK$247/mo
Deposit HK$838K · loan HK$838K · min. income ≈ HK$8,120/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,250
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,364
−HK$115/mo
Today · 4.125%
HK$4,479
baseline
▲ 0.50% · 4.625%
HK$4,716
+HK$237/mo
Deposit HK$838K · loan HK$838K · min. income ≈ HK$8,958/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,584
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,727
−HK$145/mo
Today · 4.125%
HK$4,872
baseline
▲ 0.50% · 4.625%
HK$5,168
+HK$296/mo
Deposit HK$670K · loan HK$1.01M · min. income ≈ HK$9,744/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,100
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,237
−HK$138/mo
Today · 4.125%
HK$5,375
baseline
▲ 0.50% · 4.625%
HK$5,659
+HK$284/mo
Deposit HK$670K · loan HK$1.01M · min. income ≈ HK$10,750/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,348
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$169/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$6,029
+HK$345/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$11,368/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$5,950
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,109
−HK$162/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$331/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$12,542/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$6,876
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,090
−HK$217/mo
Today · 4.125%
HK$7,307
baseline
▲ 0.50% · 4.625%
HK$7,752
+HK$445/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,614/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$7,650
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,855
−HK$208/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,488
+HK$425/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,126/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).