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$3,625
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,738
−HK$114/mo
Today · 4.125%
HK$3,852
baseline
▲ 0.50% · 4.625%
HK$4,087
+HK$235/mo
Deposit HK$795K · loan HK$795K · min. income ≈ HK$7,704/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,033
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,141
−HK$110/mo
Today · 4.125%
HK$4,251
baseline
▲ 0.50% · 4.625%
HK$4,475
+HK$224/mo
Deposit HK$795K · loan HK$795K · min. income ≈ HK$8,502/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,350
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,485
−HK$138/mo
Today · 4.125%
HK$4,623
baseline
▲ 0.50% · 4.625%
HK$4,904
+HK$281/mo
Deposit HK$636K · loan HK$954K · min. income ≈ HK$9,246/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,839
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,969
−HK$132/mo
Today · 4.125%
HK$5,101
baseline
▲ 0.50% · 4.625%
HK$5,370
+HK$269/mo
Deposit HK$636K · loan HK$954K · min. income ≈ HK$10,202/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,075
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,233
−HK$160/mo
Today · 4.125%
HK$5,393
baseline
▲ 0.50% · 4.625%
HK$5,722
+HK$329/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,786/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,646
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$154/mo
Today · 4.125%
HK$5,951
baseline
▲ 0.50% · 4.625%
HK$6,265
+HK$314/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,902/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,525
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,728
−HK$206/mo
Today · 4.125%
HK$6,934
baseline
▲ 0.50% · 4.625%
HK$7,356
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,868/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,259
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$197/mo
Today · 4.125%
HK$7,651
baseline
▲ 0.50% · 4.625%
HK$8,055
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,302/mo (50% DSR)
Upfront cash ≈ HK$159K (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).