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$3,770
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,887
−HK$119/mo
Today · 4.125%
HK$4,006
baseline
▲ 0.50% · 4.625%
HK$4,250
+HK$244/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,012/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,194
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,306
−HK$114/mo
Today · 4.125%
HK$4,420
baseline
▲ 0.50% · 4.625%
HK$4,653
+HK$233/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,840/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,524
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,664
−HK$143/mo
Today · 4.125%
HK$4,807
baseline
▲ 0.50% · 4.625%
HK$5,100
+HK$293/mo
Deposit HK$661K · loan HK$992K · min. income ≈ HK$9,614/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,032
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,167
−HK$137/mo
Today · 4.125%
HK$5,304
baseline
▲ 0.50% · 4.625%
HK$5,584
+HK$280/mo
Deposit HK$661K · loan HK$992K · min. income ≈ HK$10,608/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,278
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,442
−HK$166/mo
Today · 4.125%
HK$5,608
baseline
▲ 0.50% · 4.625%
HK$5,950
+HK$342/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$11,216/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,871
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$159/mo
Today · 4.125%
HK$6,188
baseline
▲ 0.50% · 4.625%
HK$6,515
+HK$327/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$12,376/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,785
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,996
−HK$215/mo
Today · 4.125%
HK$7,211
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$439/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,422/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,549
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,751
−HK$206/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,376
+HK$419/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,914/mo (50% DSR)
Upfront cash ≈ HK$165K (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).