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$3,780
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,898
−HK$119/mo
Today · 4.125%
HK$4,017
baseline
▲ 0.50% · 4.625%
HK$4,261
+HK$244/mo
Deposit HK$829K · loan HK$829K · min. income ≈ HK$8,034/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,205
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,318
−HK$114/mo
Today · 4.125%
HK$4,432
baseline
▲ 0.50% · 4.625%
HK$4,666
+HK$234/mo
Deposit HK$829K · loan HK$829K · min. income ≈ HK$8,864/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,536
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,677
−HK$143/mo
Today · 4.125%
HK$4,820
baseline
▲ 0.50% · 4.625%
HK$5,114
+HK$294/mo
Deposit HK$663K · loan HK$995K · min. income ≈ HK$9,640/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,046
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,181
−HK$138/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,599
+HK$280/mo
Deposit HK$663K · loan HK$995K · min. income ≈ HK$10,638/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,292
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$167/mo
Today · 4.125%
HK$5,624
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$342/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$11,248/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,887
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$160/mo
Today · 4.125%
HK$6,205
baseline
▲ 0.50% · 4.625%
HK$6,532
+HK$327/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$12,410/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,804
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$215/mo
Today · 4.125%
HK$7,231
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$439/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,462/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$7,569
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$206/mo
Today · 4.125%
HK$7,978
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$421/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,956/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).