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$3,618
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,731
−HK$114/mo
Today · 4.125%
HK$3,845
baseline
▲ 0.50% · 4.625%
HK$4,079
+HK$234/mo
Deposit HK$793K · loan HK$793K · min. income ≈ HK$7,690/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,025
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,133
−HK$110/mo
Today · 4.125%
HK$4,243
baseline
▲ 0.50% · 4.625%
HK$4,466
+HK$223/mo
Deposit HK$793K · loan HK$793K · min. income ≈ HK$8,486/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,342
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,477
−HK$137/mo
Today · 4.125%
HK$4,614
baseline
▲ 0.50% · 4.625%
HK$4,895
+HK$281/mo
Deposit HK$635K · loan HK$952K · min. income ≈ HK$9,228/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,830
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,960
−HK$131/mo
Today · 4.125%
HK$5,091
baseline
▲ 0.50% · 4.625%
HK$5,360
+HK$269/mo
Deposit HK$635K · loan HK$952K · min. income ≈ HK$10,182/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,066
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,223
−HK$160/mo
Today · 4.125%
HK$5,383
baseline
▲ 0.50% · 4.625%
HK$5,711
+HK$328/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,766/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,635
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,787
−HK$153/mo
Today · 4.125%
HK$5,940
baseline
▲ 0.50% · 4.625%
HK$6,253
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,880/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,513
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$205/mo
Today · 4.125%
HK$6,921
baseline
▲ 0.50% · 4.625%
HK$7,342
+HK$421/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,842/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$7,246
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,440
−HK$197/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,040
+HK$403/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,274/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).