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$3,811
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,930
−HK$121/mo
Today · 4.125%
HK$4,051
baseline
▲ 0.50% · 4.625%
HK$4,297
+HK$246/mo
Deposit HK$836K · loan HK$836K · min. income ≈ HK$8,102/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$4,240
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,354
−HK$115/mo
Today · 4.125%
HK$4,469
baseline
▲ 0.50% · 4.625%
HK$4,705
+HK$236/mo
Deposit HK$836K · loan HK$836K · min. income ≈ HK$8,938/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$4,574
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$145/mo
Today · 4.125%
HK$4,861
baseline
▲ 0.50% · 4.625%
HK$5,156
+HK$295/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$9,722/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$5,088
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,225
−HK$138/mo
Today · 4.125%
HK$5,363
baseline
▲ 0.50% · 4.625%
HK$5,646
+HK$283/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$10,726/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$5,336
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,502
−HK$169/mo
Today · 4.125%
HK$5,671
baseline
▲ 0.50% · 4.625%
HK$6,016
+HK$345/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,342/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$5,936
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,096
−HK$161/mo
Today · 4.125%
HK$6,257
baseline
▲ 0.50% · 4.625%
HK$6,587
+HK$330/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$12,514/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$6,861
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$217/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,735
+HK$444/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,582/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$7,632
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$208/mo
Today · 4.125%
HK$8,045
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$424/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,090/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).