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$3,649
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,763
−HK$115/mo
Today · 4.125%
HK$3,878
baseline
▲ 0.50% · 4.625%
HK$4,114
+HK$236/mo
Deposit HK$800K · loan HK$800K · min. income ≈ HK$7,756/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,060
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,169
−HK$110/mo
Today · 4.125%
HK$4,279
baseline
▲ 0.50% · 4.625%
HK$4,505
+HK$226/mo
Deposit HK$800K · loan HK$800K · min. income ≈ HK$8,558/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,379
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,515
−HK$139/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$283/mo
Deposit HK$640K · loan HK$960K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$133/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,406
+HK$271/mo
Deposit HK$640K · loan HK$960K · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,109
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,268
−HK$161/mo
Today · 4.125%
HK$5,429
baseline
▲ 0.50% · 4.625%
HK$5,760
+HK$331/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$10,858/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,684
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,836
−HK$155/mo
Today · 4.125%
HK$5,991
baseline
▲ 0.50% · 4.625%
HK$6,307
+HK$316/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$11,982/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,569
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$208/mo
Today · 4.125%
HK$6,981
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,962/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$198/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$406/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,404/mo (50% DSR)
Upfront cash ≈ HK$160K (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).