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$3,863
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,983
−HK$122/mo
Today · 4.125%
HK$4,105
baseline
▲ 0.50% · 4.625%
HK$4,354
+HK$249/mo
Deposit HK$847K · loan HK$847K · min. income ≈ HK$8,210/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,297
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,412
−HK$117/mo
Today · 4.125%
HK$4,529
baseline
▲ 0.50% · 4.625%
HK$4,768
+HK$239/mo
Deposit HK$847K · loan HK$847K · min. income ≈ HK$9,058/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,635
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,779
−HK$147/mo
Today · 4.125%
HK$4,926
baseline
▲ 0.50% · 4.625%
HK$5,225
+HK$299/mo
Deposit HK$678K · loan HK$1.02M · min. income ≈ HK$9,852/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,156
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,295
−HK$140/mo
Today · 4.125%
HK$5,435
baseline
▲ 0.50% · 4.625%
HK$5,721
+HK$286/mo
Deposit HK$678K · loan HK$1.02M · min. income ≈ HK$10,870/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,408
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,576
−HK$171/mo
Today · 4.125%
HK$5,747
baseline
▲ 0.50% · 4.625%
HK$6,096
+HK$349/mo
Deposit HK$508K · loan HK$1.19M · min. income ≈ HK$11,494/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,016
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,177
−HK$164/mo
Today · 4.125%
HK$6,341
baseline
▲ 0.50% · 4.625%
HK$6,675
+HK$334/mo
Deposit HK$508K · loan HK$1.19M · min. income ≈ HK$12,682/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,953
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$220/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,838
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,778/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$7,735
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,942
−HK$210/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$430/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,304/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).