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$3,718
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,834
−HK$117/mo
Today · 4.125%
HK$3,951
baseline
▲ 0.50% · 4.625%
HK$4,191
+HK$240/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$7,902/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,136
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,247
−HK$113/mo
Today · 4.125%
HK$4,360
baseline
▲ 0.50% · 4.625%
HK$4,589
+HK$229/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$8,720/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,461
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,600
−HK$141/mo
Today · 4.125%
HK$4,741
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$289/mo
Deposit HK$652K · loan HK$978K · min. income ≈ HK$9,482/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,963
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,096
−HK$135/mo
Today · 4.125%
HK$5,231
baseline
▲ 0.50% · 4.625%
HK$5,507
+HK$276/mo
Deposit HK$652K · loan HK$978K · min. income ≈ HK$10,462/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,205
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,367
−HK$164/mo
Today · 4.125%
HK$5,531
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$337/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,062/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,791
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,946
−HK$157/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$322/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,206/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,692
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$212/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$433/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,224/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,445
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$202/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,261
+HK$414/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,694/mo (50% DSR)
Upfront cash ≈ HK$163K (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).