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$3,725
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,840
−HK$118/mo
Today · 4.125%
HK$3,958
baseline
▲ 0.50% · 4.625%
HK$4,199
+HK$241/mo
Deposit HK$817K · loan HK$817K · min. income ≈ HK$7,916/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,144
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,255
−HK$112/mo
Today · 4.125%
HK$4,367
baseline
▲ 0.50% · 4.625%
HK$4,598
+HK$231/mo
Deposit HK$817K · loan HK$817K · min. income ≈ HK$8,734/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,469
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,608
−HK$142/mo
Today · 4.125%
HK$4,750
baseline
▲ 0.50% · 4.625%
HK$5,039
+HK$289/mo
Deposit HK$653K · loan HK$980K · min. income ≈ HK$9,500/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,972
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,106
−HK$135/mo
Today · 4.125%
HK$5,241
baseline
▲ 0.50% · 4.625%
HK$5,517
+HK$276/mo
Deposit HK$653K · loan HK$980K · min. income ≈ HK$10,482/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,214
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$164/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$338/mo
Deposit HK$490K · loan HK$1.14M · min. income ≈ HK$11,082/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,801
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$158/mo
Today · 4.125%
HK$6,114
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$323/mo
Deposit HK$490K · loan HK$1.14M · min. income ≈ HK$12,228/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,704
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$212/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$433/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,250/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,458
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,658
−HK$203/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$415/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,722/mo (50% DSR)
Upfront cash ≈ HK$163K (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).