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$3,801
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,920
−HK$120/mo
Today · 4.125%
HK$4,040
baseline
▲ 0.50% · 4.625%
HK$4,286
+HK$246/mo
Deposit HK$834K · loan HK$834K · min. income ≈ HK$8,080/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$4,229
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,342
−HK$116/mo
Today · 4.125%
HK$4,458
baseline
▲ 0.50% · 4.625%
HK$4,692
+HK$234/mo
Deposit HK$834K · loan HK$834K · min. income ≈ HK$8,916/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$4,562
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,704
−HK$144/mo
Today · 4.125%
HK$4,848
baseline
▲ 0.50% · 4.625%
HK$5,143
+HK$295/mo
Deposit HK$667K · loan HK$1.00M · min. income ≈ HK$9,696/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,075
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,211
−HK$138/mo
Today · 4.125%
HK$5,349
baseline
▲ 0.50% · 4.625%
HK$5,631
+HK$282/mo
Deposit HK$667K · loan HK$1.00M · min. income ≈ HK$10,698/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,322
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,488
−HK$168/mo
Today · 4.125%
HK$5,656
baseline
▲ 0.50% · 4.625%
HK$6,000
+HK$344/mo
Deposit HK$500K · loan HK$1.17M · min. income ≈ HK$11,312/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,921
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$162/mo
Today · 4.125%
HK$6,241
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$328/mo
Deposit HK$500K · loan HK$1.17M · min. income ≈ HK$12,482/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,843
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,055
−HK$217/mo
Today · 4.125%
HK$7,272
baseline
▲ 0.50% · 4.625%
HK$7,714
+HK$442/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,544/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$7,612
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,816
−HK$208/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$422/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,048/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).