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$3,837
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,957
−HK$121/mo
Today · 4.125%
HK$4,078
baseline
▲ 0.50% · 4.625%
HK$4,326
+HK$248/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$8,156/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,269
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,384
−HK$116/mo
Today · 4.125%
HK$4,500
baseline
▲ 0.50% · 4.625%
HK$4,737
+HK$237/mo
Deposit HK$841K · loan HK$841K · min. income ≈ HK$9,000/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,605
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,748
−HK$146/mo
Today · 4.125%
HK$4,894
baseline
▲ 0.50% · 4.625%
HK$5,191
+HK$297/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$9,788/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,123
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,260
−HK$140/mo
Today · 4.125%
HK$5,400
baseline
▲ 0.50% · 4.625%
HK$5,684
+HK$284/mo
Deposit HK$673K · loan HK$1.01M · min. income ≈ HK$10,800/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,372
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,539
−HK$170/mo
Today · 4.125%
HK$5,709
baseline
▲ 0.50% · 4.625%
HK$6,057
+HK$348/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$11,418/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,977
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,137
−HK$163/mo
Today · 4.125%
HK$6,300
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$332/mo
Deposit HK$505K · loan HK$1.18M · min. income ≈ HK$12,600/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,907
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,122
−HK$218/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,787
+HK$447/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,680/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$7,684
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$209/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,526
+HK$427/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,198/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).