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$3,579
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,690
−HK$113/mo
Today · 4.125%
HK$3,803
baseline
▲ 0.50% · 4.625%
HK$4,035
+HK$232/mo
Deposit HK$785K · loan HK$785K · min. income ≈ HK$7,606/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,981
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,088
−HK$108/mo
Today · 4.125%
HK$4,196
baseline
▲ 0.50% · 4.625%
HK$4,418
+HK$222/mo
Deposit HK$785K · loan HK$785K · min. income ≈ HK$8,392/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,295
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,428
−HK$136/mo
Today · 4.125%
HK$4,564
baseline
▲ 0.50% · 4.625%
HK$4,842
+HK$278/mo
Deposit HK$628K · loan HK$942K · min. income ≈ HK$9,128/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,778
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,906
−HK$130/mo
Today · 4.125%
HK$5,036
baseline
▲ 0.50% · 4.625%
HK$5,301
+HK$265/mo
Deposit HK$628K · loan HK$942K · min. income ≈ HK$10,072/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,010
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,166
−HK$158/mo
Today · 4.125%
HK$5,324
baseline
▲ 0.50% · 4.625%
HK$5,648
+HK$324/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$10,648/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,574
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,723
−HK$152/mo
Today · 4.125%
HK$5,875
baseline
▲ 0.50% · 4.625%
HK$6,185
+HK$310/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$11,750/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,442
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$204/mo
Today · 4.125%
HK$6,846
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$416/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,692/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$7,166
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,359
−HK$195/mo
Today · 4.125%
HK$7,554
baseline
▲ 0.50% · 4.625%
HK$7,952
+HK$398/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,108/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).