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$239/mo
▼ 0.25% · 3.875%
HK$3,930
−HK$120/mo
Today · 4.125%
HK$4,050
baseline
▲ 0.50% · 4.625%
HK$4,297
+HK$247/mo
Deposit HK$836K · loan HK$836K · min. income ≈ HK$8,100/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$286/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$144/mo
Today · 4.125%
HK$4,860
baseline
▲ 0.50% · 4.625%
HK$5,156
+HK$296/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$9,720/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$5,224
−HK$139/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$334/mo
▼ 0.25% · 3.875%
HK$5,502
−HK$168/mo
Today · 4.125%
HK$5,670
baseline
▲ 0.50% · 4.625%
HK$6,015
+HK$345/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,340/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$6,095
−HK$162/mo
Today · 4.125%
HK$6,257
baseline
▲ 0.50% · 4.625%
HK$6,586
+HK$329/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$6,860
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$216/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$444/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,580/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$412/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$207/mo
Today · 4.125%
HK$8,044
baseline
▲ 0.50% · 4.625%
HK$8,468
+HK$424/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,088/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).