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$3,788
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,905
−HK$120/mo
Today · 4.125%
HK$4,025
baseline
▲ 0.50% · 4.625%
HK$4,270
+HK$245/mo
Deposit HK$831K · loan HK$831K · min. income ≈ HK$8,050/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,214
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,327
−HK$114/mo
Today · 4.125%
HK$4,441
baseline
▲ 0.50% · 4.625%
HK$4,675
+HK$234/mo
Deposit HK$831K · loan HK$831K · min. income ≈ HK$8,882/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,545
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,686
−HK$144/mo
Today · 4.125%
HK$4,830
baseline
▲ 0.50% · 4.625%
HK$5,124
+HK$294/mo
Deposit HK$664K · loan HK$997K · min. income ≈ HK$9,660/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,056
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,192
−HK$138/mo
Today · 4.125%
HK$5,330
baseline
▲ 0.50% · 4.625%
HK$5,610
+HK$280/mo
Deposit HK$664K · loan HK$997K · min. income ≈ HK$10,660/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,303
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$167/mo
Today · 4.125%
HK$5,635
baseline
▲ 0.50% · 4.625%
HK$5,978
+HK$343/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$11,270/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$5,899
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$161/mo
Today · 4.125%
HK$6,218
baseline
▲ 0.50% · 4.625%
HK$6,546
+HK$328/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$12,436/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$6,818
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$215/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,686
+HK$441/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,490/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$7,585
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$206/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$422/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,988/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).