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$3,540
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,650
−HK$112/mo
Today · 4.125%
HK$3,762
baseline
▲ 0.50% · 4.625%
HK$3,991
+HK$229/mo
Deposit HK$776K · loan HK$776K · min. income ≈ HK$7,524/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,938
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,044
−HK$107/mo
Today · 4.125%
HK$4,151
baseline
▲ 0.50% · 4.625%
HK$4,369
+HK$218/mo
Deposit HK$776K · loan HK$776K · min. income ≈ HK$8,302/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,248
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,380
−HK$134/mo
Today · 4.125%
HK$4,514
baseline
▲ 0.50% · 4.625%
HK$4,789
+HK$275/mo
Deposit HK$621K · loan HK$931K · min. income ≈ HK$9,028/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,726
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,852
−HK$129/mo
Today · 4.125%
HK$4,981
baseline
▲ 0.50% · 4.625%
HK$5,243
+HK$262/mo
Deposit HK$621K · loan HK$931K · min. income ≈ HK$9,962/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,956
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,110
−HK$156/mo
Today · 4.125%
HK$5,266
baseline
▲ 0.50% · 4.625%
HK$5,587
+HK$321/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$10,532/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,513
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,661
−HK$150/mo
Today · 4.125%
HK$5,811
baseline
▲ 0.50% · 4.625%
HK$6,117
+HK$306/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$11,622/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,372
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$201/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,183
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,542/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,088
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$193/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,865
+HK$394/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,942/mo (50% DSR)
Upfront cash ≈ HK$155K (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).