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$3,785
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,902
−HK$120/mo
Today · 4.125%
HK$4,022
baseline
▲ 0.50% · 4.625%
HK$4,267
+HK$245/mo
Deposit HK$830K · loan HK$830K · min. income ≈ HK$8,044/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,210
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,323
−HK$115/mo
Today · 4.125%
HK$4,438
baseline
▲ 0.50% · 4.625%
HK$4,672
+HK$234/mo
Deposit HK$830K · loan HK$830K · min. income ≈ HK$8,876/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,542
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,683
−HK$143/mo
Today · 4.125%
HK$4,826
baseline
▲ 0.50% · 4.625%
HK$5,120
+HK$294/mo
Deposit HK$664K · loan HK$996K · min. income ≈ HK$9,652/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,052
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,188
−HK$137/mo
Today · 4.125%
HK$5,325
baseline
▲ 0.50% · 4.625%
HK$5,606
+HK$281/mo
Deposit HK$664K · loan HK$996K · min. income ≈ HK$10,650/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,299
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$168/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$342/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$11,262/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,895
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,053
−HK$160/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,541
+HK$328/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$12,426/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,812
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,024
−HK$216/mo
Today · 4.125%
HK$7,240
baseline
▲ 0.50% · 4.625%
HK$7,680
+HK$440/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,480/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,579
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,782
−HK$206/mo
Today · 4.125%
HK$7,988
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$421/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,976/mo (50% DSR)
Upfront cash ≈ HK$166K (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).