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$3,809
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,927
−HK$121/mo
Today · 4.125%
HK$4,048
baseline
▲ 0.50% · 4.625%
HK$4,294
+HK$246/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,096/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,237
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,351
−HK$115/mo
Today · 4.125%
HK$4,466
baseline
▲ 0.50% · 4.625%
HK$4,702
+HK$236/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,932/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,571
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,713
−HK$144/mo
Today · 4.125%
HK$4,857
baseline
▲ 0.50% · 4.625%
HK$5,153
+HK$296/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$9,714/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$5,085
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,221
−HK$139/mo
Today · 4.125%
HK$5,360
baseline
▲ 0.50% · 4.625%
HK$5,642
+HK$282/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$10,720/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$5,333
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,498
−HK$169/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$6,012
+HK$345/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,334/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$5,932
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,091
−HK$162/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,582
+HK$329/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$12,506/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$6,856
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$217/mo
Today · 4.125%
HK$7,286
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$443/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,572/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$7,627
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,832
−HK$207/mo
Today · 4.125%
HK$8,039
baseline
▲ 0.50% · 4.625%
HK$8,463
+HK$424/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,078/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).