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$3,577
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,689
−HK$113/mo
Today · 4.125%
HK$3,802
baseline
▲ 0.50% · 4.625%
HK$4,033
+HK$231/mo
Deposit HK$784K · loan HK$784K · min. income ≈ HK$7,604/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,980
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,086
−HK$109/mo
Today · 4.125%
HK$4,195
baseline
▲ 0.50% · 4.625%
HK$4,416
+HK$221/mo
Deposit HK$784K · loan HK$784K · min. income ≈ HK$8,390/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,293
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,426
−HK$136/mo
Today · 4.125%
HK$4,562
baseline
▲ 0.50% · 4.625%
HK$4,839
+HK$277/mo
Deposit HK$628K · loan HK$941K · min. income ≈ HK$9,124/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,776
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$130/mo
Today · 4.125%
HK$5,034
baseline
▲ 0.50% · 4.625%
HK$5,299
+HK$265/mo
Deposit HK$628K · loan HK$941K · min. income ≈ HK$10,068/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,008
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,164
−HK$158/mo
Today · 4.125%
HK$5,322
baseline
▲ 0.50% · 4.625%
HK$5,646
+HK$324/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$10,644/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,572
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,721
−HK$152/mo
Today · 4.125%
HK$5,873
baseline
▲ 0.50% · 4.625%
HK$6,182
+HK$309/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$11,746/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,439
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$204/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,259
+HK$416/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,686/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,163
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$194/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$398/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,100/mo (50% DSR)
Upfront cash ≈ HK$157K (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).