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$3,859
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,979
−HK$122/mo
Today · 4.125%
HK$4,101
baseline
▲ 0.50% · 4.625%
HK$4,351
+HK$250/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$8,202/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$4,293
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,409
−HK$116/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,764
+HK$239/mo
Deposit HK$846K · loan HK$846K · min. income ≈ HK$9,050/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$4,631
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,775
−HK$147/mo
Today · 4.125%
HK$4,922
baseline
▲ 0.50% · 4.625%
HK$5,221
+HK$299/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$9,844/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$5,152
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,290
−HK$140/mo
Today · 4.125%
HK$5,430
baseline
▲ 0.50% · 4.625%
HK$5,717
+HK$287/mo
Deposit HK$677K · loan HK$1.02M · min. income ≈ HK$10,860/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$5,403
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,571
−HK$171/mo
Today · 4.125%
HK$5,742
baseline
▲ 0.50% · 4.625%
HK$6,091
+HK$349/mo
Deposit HK$508K · loan HK$1.18M · min. income ≈ HK$11,484/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$6,011
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,172
−HK$164/mo
Today · 4.125%
HK$6,336
baseline
▲ 0.50% · 4.625%
HK$6,669
+HK$333/mo
Deposit HK$508K · loan HK$1.18M · min. income ≈ HK$12,672/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$6,947
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,163
−HK$219/mo
Today · 4.125%
HK$7,382
baseline
▲ 0.50% · 4.625%
HK$7,832
+HK$450/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,764/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$7,728
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,935
−HK$211/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,575
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,292/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).