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$3,634
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,747
−HK$115/mo
Today · 4.125%
HK$3,862
baseline
▲ 0.50% · 4.625%
HK$4,097
+HK$235/mo
Deposit HK$797K · loan HK$797K · min. income ≈ HK$7,724/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,043
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,151
−HK$110/mo
Today · 4.125%
HK$4,261
baseline
▲ 0.50% · 4.625%
HK$4,486
+HK$225/mo
Deposit HK$797K · loan HK$797K · min. income ≈ HK$8,522/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,361
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$138/mo
Today · 4.125%
HK$4,635
baseline
▲ 0.50% · 4.625%
HK$4,917
+HK$282/mo
Deposit HK$638K · loan HK$956K · min. income ≈ HK$9,270/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,852
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$132/mo
Today · 4.125%
HK$5,114
baseline
▲ 0.50% · 4.625%
HK$5,383
+HK$269/mo
Deposit HK$638K · loan HK$956K · min. income ≈ HK$10,228/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,088
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,246
−HK$161/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,736
+HK$329/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$10,814/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,660
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,812
−HK$154/mo
Today · 4.125%
HK$5,966
baseline
▲ 0.50% · 4.625%
HK$6,281
+HK$315/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$11,932/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,542
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,745
−HK$207/mo
Today · 4.125%
HK$6,952
baseline
▲ 0.50% · 4.625%
HK$7,375
+HK$423/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,904/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$7,278
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$198/mo
Today · 4.125%
HK$7,671
baseline
▲ 0.50% · 4.625%
HK$8,075
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,342/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).