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$3,738
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,855
−HK$118/mo
Today · 4.125%
HK$3,973
baseline
▲ 0.50% · 4.625%
HK$4,214
+HK$241/mo
Deposit HK$820K · loan HK$820K · min. income ≈ HK$7,946/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,159
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,270
−HK$113/mo
Today · 4.125%
HK$4,383
baseline
▲ 0.50% · 4.625%
HK$4,615
+HK$232/mo
Deposit HK$820K · loan HK$820K · min. income ≈ HK$8,766/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,486
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,625
−HK$142/mo
Today · 4.125%
HK$4,767
baseline
▲ 0.50% · 4.625%
HK$5,057
+HK$290/mo
Deposit HK$656K · loan HK$984K · min. income ≈ HK$9,534/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,991
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,124
−HK$136/mo
Today · 4.125%
HK$5,260
baseline
▲ 0.50% · 4.625%
HK$5,537
+HK$277/mo
Deposit HK$656K · loan HK$984K · min. income ≈ HK$10,520/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,234
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,396
−HK$166/mo
Today · 4.125%
HK$5,562
baseline
▲ 0.50% · 4.625%
HK$5,900
+HK$338/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$11,124/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,822
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,978
−HK$159/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,460
+HK$323/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$12,274/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,729
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,938
−HK$213/mo
Today · 4.125%
HK$7,151
baseline
▲ 0.50% · 4.625%
HK$7,586
+HK$435/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,302/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,486
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,687
−HK$203/mo
Today · 4.125%
HK$7,890
baseline
▲ 0.50% · 4.625%
HK$8,306
+HK$416/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,780/mo (50% DSR)
Upfront cash ≈ HK$164K (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).