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$3,683
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,798
−HK$116/mo
Today · 4.125%
HK$3,914
baseline
▲ 0.50% · 4.625%
HK$4,152
+HK$238/mo
Deposit HK$808K · loan HK$808K · min. income ≈ HK$7,828/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,097
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,207
−HK$112/mo
Today · 4.125%
HK$4,319
baseline
▲ 0.50% · 4.625%
HK$4,546
+HK$227/mo
Deposit HK$808K · loan HK$808K · min. income ≈ HK$8,638/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,420
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,557
−HK$140/mo
Today · 4.125%
HK$4,697
baseline
▲ 0.50% · 4.625%
HK$4,983
+HK$286/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$9,394/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$4,917
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,049
−HK$134/mo
Today · 4.125%
HK$5,183
baseline
▲ 0.50% · 4.625%
HK$5,456
+HK$273/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$10,366/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$5,156
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$163/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$333/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$10,960/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$5,736
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,890
−HK$156/mo
Today · 4.125%
HK$6,046
baseline
▲ 0.50% · 4.625%
HK$6,365
+HK$319/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$12,092/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$6,630
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$209/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$429/mo
Deposit HK$162K · loan HK$1.45M · min. income ≈ HK$14,090/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$7,375
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$201/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,184
+HK$410/mo
Deposit HK$162K · loan HK$1.45M · min. income ≈ HK$15,548/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).