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$3,823
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,942
−HK$121/mo
Today · 4.125%
HK$4,063
baseline
▲ 0.50% · 4.625%
HK$4,310
+HK$247/mo
Deposit HK$838K · loan HK$838K · min. income ≈ HK$8,126/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,253
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,367
−HK$116/mo
Today · 4.125%
HK$4,483
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$236/mo
Deposit HK$838K · loan HK$838K · min. income ≈ HK$8,966/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,587
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,730
−HK$145/mo
Today · 4.125%
HK$4,875
baseline
▲ 0.50% · 4.625%
HK$5,172
+HK$297/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$9,750/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,103
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,240
−HK$139/mo
Today · 4.125%
HK$5,379
baseline
▲ 0.50% · 4.625%
HK$5,663
+HK$284/mo
Deposit HK$671K · loan HK$1.01M · min. income ≈ HK$10,758/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,352
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,518
−HK$170/mo
Today · 4.125%
HK$5,688
baseline
▲ 0.50% · 4.625%
HK$6,034
+HK$346/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$11,376/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,954
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$162/mo
Today · 4.125%
HK$6,276
baseline
▲ 0.50% · 4.625%
HK$6,606
+HK$330/mo
Deposit HK$503K · loan HK$1.17M · min. income ≈ HK$12,552/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,881
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$218/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,757
+HK$444/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$14,626/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$7,655
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$209/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,494
+HK$425/mo
Deposit HK$168K · loan HK$1.51M · min. income ≈ HK$16,138/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).