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$3,671
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,785
−HK$116/mo
Today · 4.125%
HK$3,901
baseline
▲ 0.50% · 4.625%
HK$4,139
+HK$238/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$7,802/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,084
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,194
−HK$111/mo
Today · 4.125%
HK$4,305
baseline
▲ 0.50% · 4.625%
HK$4,532
+HK$227/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$8,610/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,405
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,542
−HK$140/mo
Today · 4.125%
HK$4,682
baseline
▲ 0.50% · 4.625%
HK$4,967
+HK$285/mo
Deposit HK$644K · loan HK$966K · min. income ≈ HK$9,364/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,901
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$134/mo
Today · 4.125%
HK$5,166
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$272/mo
Deposit HK$644K · loan HK$966K · min. income ≈ HK$10,332/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,140
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$163/mo
Today · 4.125%
HK$5,462
baseline
▲ 0.50% · 4.625%
HK$5,794
+HK$332/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$10,924/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,718
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,871
−HK$156/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,344
+HK$317/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$12,054/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,608
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$208/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,044/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,351
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,549
−HK$200/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,157
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,498/mo (50% DSR)
Upfront cash ≈ HK$161K (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).