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$3,807
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,926
−HK$120/mo
Today · 4.125%
HK$4,046
baseline
▲ 0.50% · 4.625%
HK$4,292
+HK$246/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,092/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,235
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,349
−HK$115/mo
Today · 4.125%
HK$4,464
baseline
▲ 0.50% · 4.625%
HK$4,700
+HK$236/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,928/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,569
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$144/mo
Today · 4.125%
HK$4,855
baseline
▲ 0.50% · 4.625%
HK$5,151
+HK$296/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$9,710/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,083
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$138/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,640
+HK$283/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$10,714/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,330
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,496
−HK$168/mo
Today · 4.125%
HK$5,664
baseline
▲ 0.50% · 4.625%
HK$6,009
+HK$345/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,328/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,930
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,089
−HK$161/mo
Today · 4.125%
HK$6,250
baseline
▲ 0.50% · 4.625%
HK$6,579
+HK$329/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$12,500/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,853
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$217/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$443/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,566/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$7,624
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$208/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$423/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,072/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).