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$3,805
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,923
−HK$120/mo
Today · 4.125%
HK$4,043
baseline
▲ 0.50% · 4.625%
HK$4,289
+HK$246/mo
Deposit HK$834K · loan HK$834K · min. income ≈ HK$8,086/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,233
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,346
−HK$115/mo
Today · 4.125%
HK$4,461
baseline
▲ 0.50% · 4.625%
HK$4,696
+HK$235/mo
Deposit HK$834K · loan HK$834K · min. income ≈ HK$8,922/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,566
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,708
−HK$144/mo
Today · 4.125%
HK$4,852
baseline
▲ 0.50% · 4.625%
HK$5,147
+HK$295/mo
Deposit HK$667K · loan HK$1.00M · min. income ≈ HK$9,704/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,079
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,215
−HK$139/mo
Today · 4.125%
HK$5,354
baseline
▲ 0.50% · 4.625%
HK$5,636
+HK$282/mo
Deposit HK$667K · loan HK$1.00M · min. income ≈ HK$10,708/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,327
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,492
−HK$169/mo
Today · 4.125%
HK$5,661
baseline
▲ 0.50% · 4.625%
HK$6,005
+HK$344/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,322/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,926
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,085
−HK$161/mo
Today · 4.125%
HK$6,246
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$329/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$12,492/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,848
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$217/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$443/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,556/mo (50% DSR)
Upfront cash ≈ HK$167K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,619
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$207/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$424/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,060/mo (50% DSR)
Upfront cash ≈ HK$167K (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).