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$3,751
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,867
−HK$119/mo
Today · 4.125%
HK$3,986
baseline
▲ 0.50% · 4.625%
HK$4,229
+HK$243/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$7,972/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,173
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,285
−HK$113/mo
Today · 4.125%
HK$4,398
baseline
▲ 0.50% · 4.625%
HK$4,630
+HK$232/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$8,796/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,501
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,641
−HK$142/mo
Today · 4.125%
HK$4,783
baseline
▲ 0.50% · 4.625%
HK$5,074
+HK$291/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$9,566/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,007
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$136/mo
Today · 4.125%
HK$5,278
baseline
▲ 0.50% · 4.625%
HK$5,556
+HK$278/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$10,556/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,251
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,414
−HK$166/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,920
+HK$340/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,160/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,842
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$158/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,482
+HK$325/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,751
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,961
−HK$214/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,611
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,350/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,511
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$205/mo
Today · 4.125%
HK$7,917
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,834/mo (50% DSR)
Upfront cash ≈ HK$165K (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).