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$3,819
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,938
−HK$121/mo
Today · 4.125%
HK$4,059
baseline
▲ 0.50% · 4.625%
HK$4,305
+HK$246/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,118/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,249
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,363
−HK$115/mo
Today · 4.125%
HK$4,478
baseline
▲ 0.50% · 4.625%
HK$4,714
+HK$236/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,956/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,583
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,725
−HK$145/mo
Today · 4.125%
HK$4,870
baseline
▲ 0.50% · 4.625%
HK$5,167
+HK$297/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$9,740/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$5,098
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,235
−HK$139/mo
Today · 4.125%
HK$5,374
baseline
▲ 0.50% · 4.625%
HK$5,657
+HK$283/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$10,748/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$5,347
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,513
−HK$169/mo
Today · 4.125%
HK$5,682
baseline
▲ 0.50% · 4.625%
HK$6,028
+HK$346/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,364/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,948
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,108
−HK$161/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,600
+HK$331/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,538/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,874
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,088
−HK$217/mo
Today · 4.125%
HK$7,305
baseline
▲ 0.50% · 4.625%
HK$7,750
+HK$445/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,610/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$7,648
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,853
−HK$208/mo
Today · 4.125%
HK$8,061
baseline
▲ 0.50% · 4.625%
HK$8,486
+HK$425/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,122/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).