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$3,673
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,787
−HK$116/mo
Today · 4.125%
HK$3,903
baseline
▲ 0.50% · 4.625%
HK$4,140
+HK$237/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$7,806/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$4,086
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,195
−HK$111/mo
Today · 4.125%
HK$4,306
baseline
▲ 0.50% · 4.625%
HK$4,533
+HK$227/mo
Deposit HK$805K · loan HK$805K · min. income ≈ HK$8,612/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$4,407
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,544
−HK$139/mo
Today · 4.125%
HK$4,683
baseline
▲ 0.50% · 4.625%
HK$4,968
+HK$285/mo
Deposit HK$644K · loan HK$966K · min. income ≈ HK$9,366/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$4,903
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$134/mo
Today · 4.125%
HK$5,168
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$272/mo
Deposit HK$644K · loan HK$966K · min. income ≈ HK$10,336/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$5,142
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,302
−HK$162/mo
Today · 4.125%
HK$5,464
baseline
▲ 0.50% · 4.625%
HK$5,797
+HK$333/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$10,928/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$5,720
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$156/mo
Today · 4.125%
HK$6,029
baseline
▲ 0.50% · 4.625%
HK$6,347
+HK$318/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$12,058/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$6,611
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,816
−HK$209/mo
Today · 4.125%
HK$7,025
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,050/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$7,354
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$200/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,160
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,504/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).