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$3,810
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,929
−HK$120/mo
Today · 4.125%
HK$4,049
baseline
▲ 0.50% · 4.625%
HK$4,295
+HK$246/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,098/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,239
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,352
−HK$116/mo
Today · 4.125%
HK$4,468
baseline
▲ 0.50% · 4.625%
HK$4,703
+HK$235/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,936/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,572
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,714
−HK$145/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,154
+HK$295/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$9,718/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$5,086
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,223
−HK$138/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,644
+HK$283/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$10,722/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$5,334
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,500
−HK$169/mo
Today · 4.125%
HK$5,669
baseline
▲ 0.50% · 4.625%
HK$6,013
+HK$344/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,338/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$5,934
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,093
−HK$162/mo
Today · 4.125%
HK$6,255
baseline
▲ 0.50% · 4.625%
HK$6,584
+HK$329/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$12,510/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$6,858
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$217/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,732
+HK$444/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,576/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$7,630
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$208/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$424/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,084/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).