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$3,681
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,796
−HK$116/mo
Today · 4.125%
HK$3,912
baseline
▲ 0.50% · 4.625%
HK$4,150
+HK$238/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$7,824/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,095
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,205
−HK$111/mo
Today · 4.125%
HK$4,316
baseline
▲ 0.50% · 4.625%
HK$4,544
+HK$228/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$8,632/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,417
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,555
−HK$139/mo
Today · 4.125%
HK$4,694
baseline
▲ 0.50% · 4.625%
HK$4,980
+HK$286/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$9,388/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,914
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,046
−HK$134/mo
Today · 4.125%
HK$5,180
baseline
▲ 0.50% · 4.625%
HK$5,453
+HK$273/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$10,360/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,154
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,314
−HK$163/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,810
+HK$333/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,954/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,733
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,887
−HK$156/mo
Today · 4.125%
HK$6,043
baseline
▲ 0.50% · 4.625%
HK$6,362
+HK$319/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,086/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,626
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$209/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$429/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,082/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$7,371
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$201/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$409/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,540/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).