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$3,669
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,783
−HK$116/mo
Today · 4.125%
HK$3,899
baseline
▲ 0.50% · 4.625%
HK$4,136
+HK$237/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$7,798/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,082
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,191
−HK$111/mo
Today · 4.125%
HK$4,302
baseline
▲ 0.50% · 4.625%
HK$4,529
+HK$227/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$8,604/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,403
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,540
−HK$139/mo
Today · 4.125%
HK$4,679
baseline
▲ 0.50% · 4.625%
HK$4,964
+HK$285/mo
Deposit HK$644K · loan HK$965K · min. income ≈ HK$9,358/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,898
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,030
−HK$133/mo
Today · 4.125%
HK$5,163
baseline
▲ 0.50% · 4.625%
HK$5,435
+HK$272/mo
Deposit HK$644K · loan HK$965K · min. income ≈ HK$10,326/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,137
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,297
−HK$162/mo
Today · 4.125%
HK$5,459
baseline
▲ 0.50% · 4.625%
HK$5,791
+HK$332/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$10,918/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,715
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$155/mo
Today · 4.125%
HK$6,023
baseline
▲ 0.50% · 4.625%
HK$6,341
+HK$318/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$12,046/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,604
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$209/mo
Today · 4.125%
HK$7,019
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$427/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,038/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,347
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$200/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,488/mo (50% DSR)
Upfront cash ≈ HK$161K (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).