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$3,659
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,773
−HK$115/mo
Today · 4.125%
HK$3,888
baseline
▲ 0.50% · 4.625%
HK$4,125
+HK$237/mo
Deposit HK$802K · loan HK$802K · min. income ≈ HK$7,776/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,070
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,179
−HK$111/mo
Today · 4.125%
HK$4,290
baseline
▲ 0.50% · 4.625%
HK$4,516
+HK$226/mo
Deposit HK$802K · loan HK$802K · min. income ≈ HK$8,580/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,390
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,527
−HK$139/mo
Today · 4.125%
HK$4,666
baseline
▲ 0.50% · 4.625%
HK$4,950
+HK$284/mo
Deposit HK$642K · loan HK$963K · min. income ≈ HK$9,332/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,884
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,015
−HK$133/mo
Today · 4.125%
HK$5,148
baseline
▲ 0.50% · 4.625%
HK$5,420
+HK$272/mo
Deposit HK$642K · loan HK$963K · min. income ≈ HK$10,296/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,122
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,282
−HK$161/mo
Today · 4.125%
HK$5,443
baseline
▲ 0.50% · 4.625%
HK$5,775
+HK$332/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$10,886/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,698
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,851
−HK$155/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,323
+HK$317/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$12,012/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,586
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$208/mo
Today · 4.125%
HK$6,999
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$426/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,998/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$7,327
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$199/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,129
+HK$407/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,444/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).