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$3,679
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,794
−HK$116/mo
Today · 4.125%
HK$3,910
baseline
▲ 0.50% · 4.625%
HK$4,148
+HK$238/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$7,820/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,093
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,203
−HK$111/mo
Today · 4.125%
HK$4,314
baseline
▲ 0.50% · 4.625%
HK$4,542
+HK$228/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$8,628/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,415
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,553
−HK$139/mo
Today · 4.125%
HK$4,692
baseline
▲ 0.50% · 4.625%
HK$4,978
+HK$286/mo
Deposit HK$645K · loan HK$968K · min. income ≈ HK$9,384/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,912
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,044
−HK$133/mo
Today · 4.125%
HK$5,177
baseline
▲ 0.50% · 4.625%
HK$5,450
+HK$273/mo
Deposit HK$645K · loan HK$968K · min. income ≈ HK$10,354/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,151
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,311
−HK$163/mo
Today · 4.125%
HK$5,474
baseline
▲ 0.50% · 4.625%
HK$5,807
+HK$333/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,948/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,731
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,884
−HK$156/mo
Today · 4.125%
HK$6,040
baseline
▲ 0.50% · 4.625%
HK$6,359
+HK$319/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,080/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,623
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,829
−HK$209/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,467
+HK$429/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,076/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$7,368
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$200/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,175
+HK$409/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,532/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).