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$3,597
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,709
−HK$114/mo
Today · 4.125%
HK$3,823
baseline
▲ 0.50% · 4.625%
HK$4,055
+HK$232/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$7,646/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,002
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,109
−HK$109/mo
Today · 4.125%
HK$4,218
baseline
▲ 0.50% · 4.625%
HK$4,440
+HK$222/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$8,436/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,317
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,451
−HK$136/mo
Today · 4.125%
HK$4,587
baseline
▲ 0.50% · 4.625%
HK$4,866
+HK$279/mo
Deposit HK$631K · loan HK$947K · min. income ≈ HK$9,174/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,802
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,931
−HK$131/mo
Today · 4.125%
HK$5,062
baseline
▲ 0.50% · 4.625%
HK$5,328
+HK$266/mo
Deposit HK$631K · loan HK$947K · min. income ≈ HK$10,124/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,036
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,193
−HK$159/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$326/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$10,704/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,603
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$152/mo
Today · 4.125%
HK$5,905
baseline
▲ 0.50% · 4.625%
HK$6,217
+HK$312/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$11,810/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,475
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,676
−HK$205/mo
Today · 4.125%
HK$6,881
baseline
▲ 0.50% · 4.625%
HK$7,300
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,762/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$7,203
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,397
−HK$195/mo
Today · 4.125%
HK$7,592
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$401/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,184/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).