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$3,737
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,854
−HK$118/mo
Today · 4.125%
HK$3,972
baseline
▲ 0.50% · 4.625%
HK$4,213
+HK$241/mo
Deposit HK$820K · loan HK$820K · min. income ≈ HK$7,944/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,158
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,269
−HK$113/mo
Today · 4.125%
HK$4,382
baseline
▲ 0.50% · 4.625%
HK$4,613
+HK$231/mo
Deposit HK$820K · loan HK$820K · min. income ≈ HK$8,764/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,485
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,624
−HK$142/mo
Today · 4.125%
HK$4,766
baseline
▲ 0.50% · 4.625%
HK$5,056
+HK$290/mo
Deposit HK$656K · loan HK$983K · min. income ≈ HK$9,532/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,989
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,123
−HK$136/mo
Today · 4.125%
HK$5,259
baseline
▲ 0.50% · 4.625%
HK$5,536
+HK$277/mo
Deposit HK$656K · loan HK$983K · min. income ≈ HK$10,518/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,232
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,395
−HK$165/mo
Today · 4.125%
HK$5,560
baseline
▲ 0.50% · 4.625%
HK$5,899
+HK$339/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$11,120/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,821
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,977
−HK$158/mo
Today · 4.125%
HK$6,135
baseline
▲ 0.50% · 4.625%
HK$6,459
+HK$324/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$12,270/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,727
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$212/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,584
+HK$435/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,298/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,484
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$203/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$416/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,776/mo (50% DSR)
Upfront cash ≈ HK$164K (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).