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$3,585
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,696
−HK$113/mo
Today · 4.125%
HK$3,809
baseline
▲ 0.50% · 4.625%
HK$4,041
+HK$232/mo
Deposit HK$786K · loan HK$786K · min. income ≈ HK$7,618/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,988
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,095
−HK$108/mo
Today · 4.125%
HK$4,203
baseline
▲ 0.50% · 4.625%
HK$4,425
+HK$222/mo
Deposit HK$786K · loan HK$786K · min. income ≈ HK$8,406/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,301
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,435
−HK$136/mo
Today · 4.125%
HK$4,571
baseline
▲ 0.50% · 4.625%
HK$4,849
+HK$278/mo
Deposit HK$629K · loan HK$943K · min. income ≈ HK$9,142/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,785
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$130/mo
Today · 4.125%
HK$5,044
baseline
▲ 0.50% · 4.625%
HK$5,310
+HK$266/mo
Deposit HK$629K · loan HK$943K · min. income ≈ HK$10,088/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,018
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,174
−HK$159/mo
Today · 4.125%
HK$5,333
baseline
▲ 0.50% · 4.625%
HK$5,658
+HK$325/mo
Deposit HK$472K · loan HK$1.10M · min. income ≈ HK$10,666/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,583
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,733
−HK$151/mo
Today · 4.125%
HK$5,884
baseline
▲ 0.50% · 4.625%
HK$6,195
+HK$311/mo
Deposit HK$472K · loan HK$1.10M · min. income ≈ HK$11,768/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,452
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,653
−HK$204/mo
Today · 4.125%
HK$6,857
baseline
▲ 0.50% · 4.625%
HK$7,274
+HK$417/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,714/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$7,178
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,370
−HK$196/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$7,965
+HK$399/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,132/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).