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$3,815
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,934
−HK$121/mo
Today · 4.125%
HK$4,055
baseline
▲ 0.50% · 4.625%
HK$4,301
+HK$246/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,110/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,245
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,358
−HK$116/mo
Today · 4.125%
HK$4,474
baseline
▲ 0.50% · 4.625%
HK$4,710
+HK$236/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,948/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,578
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,721
−HK$145/mo
Today · 4.125%
HK$4,866
baseline
▲ 0.50% · 4.625%
HK$5,162
+HK$296/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$9,732/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,093
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,230
−HK$139/mo
Today · 4.125%
HK$5,369
baseline
▲ 0.50% · 4.625%
HK$5,652
+HK$283/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$10,738/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,341
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$168/mo
Today · 4.125%
HK$5,676
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$346/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,352/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,942
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$161/mo
Today · 4.125%
HK$6,263
baseline
▲ 0.50% · 4.625%
HK$6,594
+HK$331/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,526/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,868
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,081
−HK$217/mo
Today · 4.125%
HK$7,298
baseline
▲ 0.50% · 4.625%
HK$7,742
+HK$444/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,596/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$7,640
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$208/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$424/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,106/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).