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$3,791
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,909
−HK$120/mo
Today · 4.125%
HK$4,029
baseline
▲ 0.50% · 4.625%
HK$4,274
+HK$245/mo
Deposit HK$831K · loan HK$831K · min. income ≈ HK$8,058/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,217
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,331
−HK$114/mo
Today · 4.125%
HK$4,445
baseline
▲ 0.50% · 4.625%
HK$4,680
+HK$235/mo
Deposit HK$831K · loan HK$831K · min. income ≈ HK$8,890/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,549
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$143/mo
Today · 4.125%
HK$4,834
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$295/mo
Deposit HK$665K · loan HK$998K · min. income ≈ HK$9,668/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,061
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,197
−HK$137/mo
Today · 4.125%
HK$5,334
baseline
▲ 0.50% · 4.625%
HK$5,616
+HK$282/mo
Deposit HK$665K · loan HK$998K · min. income ≈ HK$10,668/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,307
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,473
−HK$167/mo
Today · 4.125%
HK$5,640
baseline
▲ 0.50% · 4.625%
HK$5,983
+HK$343/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$11,280/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,904
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$160/mo
Today · 4.125%
HK$6,223
baseline
▲ 0.50% · 4.625%
HK$6,551
+HK$328/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$12,446/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,824
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,036
−HK$216/mo
Today · 4.125%
HK$7,252
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,504/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,591
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,795
−HK$207/mo
Today · 4.125%
HK$8,002
baseline
▲ 0.50% · 4.625%
HK$8,423
+HK$421/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,004/mo (50% DSR)
Upfront cash ≈ HK$166K (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).