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$3,589
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,700
−HK$114/mo
Today · 4.125%
HK$3,814
baseline
▲ 0.50% · 4.625%
HK$4,046
+HK$232/mo
Deposit HK$787K · loan HK$787K · min. income ≈ HK$7,628/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,992
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,099
−HK$109/mo
Today · 4.125%
HK$4,208
baseline
▲ 0.50% · 4.625%
HK$4,430
+HK$222/mo
Deposit HK$787K · loan HK$787K · min. income ≈ HK$8,416/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,306
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,440
−HK$136/mo
Today · 4.125%
HK$4,576
baseline
▲ 0.50% · 4.625%
HK$4,855
+HK$279/mo
Deposit HK$630K · loan HK$944K · min. income ≈ HK$9,152/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,791
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,919
−HK$131/mo
Today · 4.125%
HK$5,050
baseline
▲ 0.50% · 4.625%
HK$5,316
+HK$266/mo
Deposit HK$630K · loan HK$944K · min. income ≈ HK$10,100/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,024
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,180
−HK$159/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,664
+HK$325/mo
Deposit HK$472K · loan HK$1.10M · min. income ≈ HK$10,678/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,589
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,739
−HK$152/mo
Today · 4.125%
HK$5,891
baseline
▲ 0.50% · 4.625%
HK$6,202
+HK$311/mo
Deposit HK$472K · loan HK$1.10M · min. income ≈ HK$11,782/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,460
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,660
−HK$205/mo
Today · 4.125%
HK$6,865
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$417/mo
Deposit HK$157K · loan HK$1.42M · min. income ≈ HK$13,730/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$195/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$400/mo
Deposit HK$157K · loan HK$1.42M · min. income ≈ HK$15,148/mo (50% DSR)
Upfront cash ≈ HK$157K (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).