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$3,670
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,784
−HK$116/mo
Today · 4.125%
HK$3,900
baseline
▲ 0.50% · 4.625%
HK$4,138
+HK$238/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$7,800/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,083
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,193
−HK$111/mo
Today · 4.125%
HK$4,304
baseline
▲ 0.50% · 4.625%
HK$4,531
+HK$227/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$8,608/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,404
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,541
−HK$139/mo
Today · 4.125%
HK$4,680
baseline
▲ 0.50% · 4.625%
HK$4,965
+HK$285/mo
Deposit HK$644K · loan HK$966K · min. income ≈ HK$9,360/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,900
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$133/mo
Today · 4.125%
HK$5,164
baseline
▲ 0.50% · 4.625%
HK$5,437
+HK$273/mo
Deposit HK$644K · loan HK$966K · min. income ≈ HK$10,328/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,138
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,298
−HK$163/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,793
+HK$332/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$10,922/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,716
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,870
−HK$155/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,343
+HK$318/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$12,050/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,606
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$209/mo
Today · 4.125%
HK$7,021
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$427/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,042/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,350
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$200/mo
Today · 4.125%
HK$7,747
baseline
▲ 0.50% · 4.625%
HK$8,155
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,494/mo (50% DSR)
Upfront cash ≈ HK$161K (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).