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$3,644
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,757
−HK$115/mo
Today · 4.125%
HK$3,872
baseline
▲ 0.50% · 4.625%
HK$4,108
+HK$236/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$7,744/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,054
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,162
−HK$111/mo
Today · 4.125%
HK$4,273
baseline
▲ 0.50% · 4.625%
HK$4,498
+HK$225/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$8,546/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,372
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,508
−HK$139/mo
Today · 4.125%
HK$4,647
baseline
▲ 0.50% · 4.625%
HK$4,929
+HK$282/mo
Deposit HK$639K · loan HK$959K · min. income ≈ HK$9,294/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,864
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,995
−HK$132/mo
Today · 4.125%
HK$5,127
baseline
▲ 0.50% · 4.625%
HK$5,397
+HK$270/mo
Deposit HK$639K · loan HK$959K · min. income ≈ HK$10,254/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,101
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,260
−HK$161/mo
Today · 4.125%
HK$5,421
baseline
▲ 0.50% · 4.625%
HK$5,751
+HK$330/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$10,842/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,675
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,827
−HK$155/mo
Today · 4.125%
HK$5,982
baseline
▲ 0.50% · 4.625%
HK$6,297
+HK$315/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$11,964/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,559
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,763
−HK$207/mo
Today · 4.125%
HK$6,970
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,940/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,296
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,492
−HK$199/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$405/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,382/mo (50% DSR)
Upfront cash ≈ HK$160K (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).