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$3,689
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,804
−HK$116/mo
Today · 4.125%
HK$3,920
baseline
▲ 0.50% · 4.625%
HK$4,159
+HK$239/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$7,840/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,104
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,214
−HK$111/mo
Today · 4.125%
HK$4,325
baseline
▲ 0.50% · 4.625%
HK$4,553
+HK$228/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$8,650/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,427
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$140/mo
Today · 4.125%
HK$4,704
baseline
▲ 0.50% · 4.625%
HK$4,990
+HK$286/mo
Deposit HK$647K · loan HK$971K · min. income ≈ HK$9,408/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,924
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,057
−HK$134/mo
Today · 4.125%
HK$5,191
baseline
▲ 0.50% · 4.625%
HK$5,464
+HK$273/mo
Deposit HK$647K · loan HK$971K · min. income ≈ HK$10,382/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,164
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$163/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$334/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$10,976/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,745
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,899
−HK$157/mo
Today · 4.125%
HK$6,056
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$319/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$12,112/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,640
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$210/mo
Today · 4.125%
HK$7,056
baseline
▲ 0.50% · 4.625%
HK$7,485
+HK$429/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,112/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,387
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,585
−HK$201/mo
Today · 4.125%
HK$7,786
baseline
▲ 0.50% · 4.625%
HK$8,196
+HK$410/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,572/mo (50% DSR)
Upfront cash ≈ HK$162K (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).