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$3,854
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,974
−HK$122/mo
Today · 4.125%
HK$4,096
baseline
▲ 0.50% · 4.625%
HK$4,345
+HK$249/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$8,192/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,288
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,403
−HK$117/mo
Today · 4.125%
HK$4,520
baseline
▲ 0.50% · 4.625%
HK$4,758
+HK$238/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$9,040/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,625
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,769
−HK$146/mo
Today · 4.125%
HK$4,915
baseline
▲ 0.50% · 4.625%
HK$5,214
+HK$299/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$9,830/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,145
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,283
−HK$140/mo
Today · 4.125%
HK$5,423
baseline
▲ 0.50% · 4.625%
HK$5,709
+HK$286/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$10,846/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,396
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$170/mo
Today · 4.125%
HK$5,734
baseline
▲ 0.50% · 4.625%
HK$6,083
+HK$349/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,468/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,003
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,164
−HK$163/mo
Today · 4.125%
HK$6,327
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$334/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,654/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,938
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$220/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,821
+HK$448/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,746/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$7,718
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,925
−HK$210/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,564
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,270/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).