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$3,602
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,714
−HK$114/mo
Today · 4.125%
HK$3,828
baseline
▲ 0.50% · 4.625%
HK$4,060
+HK$232/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$7,656/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,007
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,114
−HK$109/mo
Today · 4.125%
HK$4,223
baseline
▲ 0.50% · 4.625%
HK$4,446
+HK$223/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$8,446/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,322
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,456
−HK$137/mo
Today · 4.125%
HK$4,593
baseline
▲ 0.50% · 4.625%
HK$4,872
+HK$279/mo
Deposit HK$632K · loan HK$948K · min. income ≈ HK$9,186/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,808
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$131/mo
Today · 4.125%
HK$5,068
baseline
▲ 0.50% · 4.625%
HK$5,335
+HK$267/mo
Deposit HK$632K · loan HK$948K · min. income ≈ HK$10,136/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,042
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,199
−HK$160/mo
Today · 4.125%
HK$5,359
baseline
▲ 0.50% · 4.625%
HK$5,685
+HK$326/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$10,718/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,610
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$153/mo
Today · 4.125%
HK$5,913
baseline
▲ 0.50% · 4.625%
HK$6,224
+HK$311/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$11,826/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,483
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,685
−HK$205/mo
Today · 4.125%
HK$6,890
baseline
▲ 0.50% · 4.625%
HK$7,309
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,780/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,212
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,406
−HK$196/mo
Today · 4.125%
HK$7,602
baseline
▲ 0.50% · 4.625%
HK$8,003
+HK$401/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,204/mo (50% DSR)
Upfront cash ≈ HK$158K (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).