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$3,652
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,766
−HK$115/mo
Today · 4.125%
HK$3,881
baseline
▲ 0.50% · 4.625%
HK$4,117
+HK$236/mo
Deposit HK$801K · loan HK$801K · min. income ≈ HK$7,762/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,063
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,172
−HK$111/mo
Today · 4.125%
HK$4,283
baseline
▲ 0.50% · 4.625%
HK$4,508
+HK$225/mo
Deposit HK$801K · loan HK$801K · min. income ≈ HK$8,566/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,383
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,519
−HK$139/mo
Today · 4.125%
HK$4,658
baseline
▲ 0.50% · 4.625%
HK$4,941
+HK$283/mo
Deposit HK$641K · loan HK$961K · min. income ≈ HK$9,316/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,006
−HK$133/mo
Today · 4.125%
HK$5,139
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$271/mo
Deposit HK$641K · loan HK$961K · min. income ≈ HK$10,278/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,113
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,272
−HK$162/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,764
+HK$330/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$10,868/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,688
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$155/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,312
+HK$316/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$11,992/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,574
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$207/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$425/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,972/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,314
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$199/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$406/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,418/mo (50% DSR)
Upfront cash ≈ HK$160K (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).