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$3,816
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,935
−HK$120/mo
Today · 4.125%
HK$4,055
baseline
▲ 0.50% · 4.625%
HK$4,302
+HK$247/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$230/mo
▼ 0.25% · 3.875%
HK$4,359
−HK$116/mo
Today · 4.125%
HK$4,475
baseline
▲ 0.50% · 4.625%
HK$4,711
+HK$236/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,950/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$4,579
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,722
−HK$144/mo
Today · 4.125%
HK$4,866
baseline
▲ 0.50% · 4.625%
HK$5,163
+HK$297/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$9,732/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$5,094
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,231
−HK$139/mo
Today · 4.125%
HK$5,370
baseline
▲ 0.50% · 4.625%
HK$5,653
+HK$283/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$10,740/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$5,342
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$169/mo
Today · 4.125%
HK$5,678
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$345/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,356/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$5,943
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,103
−HK$162/mo
Today · 4.125%
HK$6,265
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$330/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,530/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$6,869
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$217/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,744
+HK$444/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,600/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$7,642
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$207/mo
Today · 4.125%
HK$8,054
baseline
▲ 0.50% · 4.625%
HK$8,479
+HK$425/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,108/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).