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$3,818
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,937
−HK$121/mo
Today · 4.125%
HK$4,058
baseline
▲ 0.50% · 4.625%
HK$4,305
+HK$247/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,116/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$4,248
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,362
−HK$115/mo
Today · 4.125%
HK$4,477
baseline
▲ 0.50% · 4.625%
HK$4,713
+HK$236/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,954/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$4,582
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,725
−HK$144/mo
Today · 4.125%
HK$4,869
baseline
▲ 0.50% · 4.625%
HK$5,166
+HK$297/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$9,738/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,097
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,234
−HK$139/mo
Today · 4.125%
HK$5,373
baseline
▲ 0.50% · 4.625%
HK$5,656
+HK$283/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$10,746/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,346
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,512
−HK$169/mo
Today · 4.125%
HK$5,681
baseline
▲ 0.50% · 4.625%
HK$6,027
+HK$346/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,362/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$5,947
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,106
−HK$162/mo
Today · 4.125%
HK$6,268
baseline
▲ 0.50% · 4.625%
HK$6,599
+HK$331/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,536/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$6,873
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$217/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$444/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$168K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,646
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,851
−HK$208/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$425/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,118/mo (50% DSR)
Upfront cash ≈ HK$168K (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).