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$3,571
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,682
−HK$113/mo
Today · 4.125%
HK$3,795
baseline
▲ 0.50% · 4.625%
HK$4,026
+HK$231/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$7,590/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,973
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,079
−HK$108/mo
Today · 4.125%
HK$4,187
baseline
▲ 0.50% · 4.625%
HK$4,408
+HK$221/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$8,374/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,285
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,418
−HK$136/mo
Today · 4.125%
HK$4,554
baseline
▲ 0.50% · 4.625%
HK$4,831
+HK$277/mo
Deposit HK$626K · loan HK$940K · min. income ≈ HK$9,108/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,767
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,895
−HK$130/mo
Today · 4.125%
HK$5,025
baseline
▲ 0.50% · 4.625%
HK$5,290
+HK$265/mo
Deposit HK$626K · loan HK$940K · min. income ≈ HK$10,050/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,999
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,155
−HK$158/mo
Today · 4.125%
HK$5,313
baseline
▲ 0.50% · 4.625%
HK$5,636
+HK$323/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$10,626/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,562
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,711
−HK$151/mo
Today · 4.125%
HK$5,862
baseline
▲ 0.50% · 4.625%
HK$6,171
+HK$309/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$11,724/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,428
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,628
−HK$203/mo
Today · 4.125%
HK$6,831
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$415/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,662/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$7,151
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,342
−HK$195/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,934
+HK$397/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,074/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).