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$3,843
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,962
−HK$122/mo
Today · 4.125%
HK$4,084
baseline
▲ 0.50% · 4.625%
HK$4,332
+HK$248/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$8,168/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,275
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,390
−HK$116/mo
Today · 4.125%
HK$4,506
baseline
▲ 0.50% · 4.625%
HK$4,744
+HK$238/mo
Deposit HK$843K · loan HK$843K · min. income ≈ HK$9,012/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,611
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,755
−HK$146/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,199
+HK$298/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$9,802/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,130
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,268
−HK$139/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,692
+HK$285/mo
Deposit HK$674K · loan HK$1.01M · min. income ≈ HK$10,814/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,380
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$170/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$348/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$11,434/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$5,985
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,146
−HK$163/mo
Today · 4.125%
HK$6,309
baseline
▲ 0.50% · 4.625%
HK$6,641
+HK$332/mo
Deposit HK$506K · loan HK$1.18M · min. income ≈ HK$12,618/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$6,917
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$219/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,798
+HK$447/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,702/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$7,695
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$209/mo
Today · 4.125%
HK$8,111
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,222/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).