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$3,857
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,977
−HK$122/mo
Today · 4.125%
HK$4,099
baseline
▲ 0.50% · 4.625%
HK$4,348
+HK$249/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$8,198/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,291
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$117/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,761
+HK$238/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,628
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,772
−HK$147/mo
Today · 4.125%
HK$4,919
baseline
▲ 0.50% · 4.625%
HK$5,218
+HK$299/mo
Deposit HK$677K · loan HK$1.01M · min. income ≈ HK$9,838/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,149
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,287
−HK$140/mo
Today · 4.125%
HK$5,427
baseline
▲ 0.50% · 4.625%
HK$5,713
+HK$286/mo
Deposit HK$677K · loan HK$1.01M · min. income ≈ HK$10,854/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,400
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,568
−HK$170/mo
Today · 4.125%
HK$5,738
baseline
▲ 0.50% · 4.625%
HK$6,087
+HK$349/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,476/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$6,007
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,168
−HK$164/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,665
+HK$333/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,664/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$6,942
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$220/mo
Today · 4.125%
HK$7,378
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,756/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$7,723
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$211/mo
Today · 4.125%
HK$8,141
baseline
▲ 0.50% · 4.625%
HK$8,570
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,282/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).