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$3,625
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,737
−HK$115/mo
Today · 4.125%
HK$3,852
baseline
▲ 0.50% · 4.625%
HK$4,086
+HK$234/mo
Deposit HK$795K · loan HK$795K · min. income ≈ HK$7,704/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,032
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,140
−HK$110/mo
Today · 4.125%
HK$4,250
baseline
▲ 0.50% · 4.625%
HK$4,474
+HK$224/mo
Deposit HK$795K · loan HK$795K · min. income ≈ HK$8,500/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,350
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,485
−HK$137/mo
Today · 4.125%
HK$4,622
baseline
▲ 0.50% · 4.625%
HK$4,904
+HK$282/mo
Deposit HK$636K · loan HK$954K · min. income ≈ HK$9,244/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,839
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,969
−HK$131/mo
Today · 4.125%
HK$5,100
baseline
▲ 0.50% · 4.625%
HK$5,369
+HK$269/mo
Deposit HK$636K · loan HK$954K · min. income ≈ HK$10,200/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,074
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,232
−HK$161/mo
Today · 4.125%
HK$5,393
baseline
▲ 0.50% · 4.625%
HK$5,721
+HK$328/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,786/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,645
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$153/mo
Today · 4.125%
HK$5,950
baseline
▲ 0.50% · 4.625%
HK$6,264
+HK$314/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,900/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,524
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,727
−HK$206/mo
Today · 4.125%
HK$6,933
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,866/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$7,258
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$197/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,054
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,300/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).