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$3,582
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,693
−HK$113/mo
Today · 4.125%
HK$3,806
baseline
▲ 0.50% · 4.625%
HK$4,038
+HK$232/mo
Deposit HK$785K · loan HK$785K · min. income ≈ HK$7,612/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,985
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,092
−HK$108/mo
Today · 4.125%
HK$4,200
baseline
▲ 0.50% · 4.625%
HK$4,421
+HK$221/mo
Deposit HK$785K · loan HK$785K · min. income ≈ HK$8,400/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,298
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,432
−HK$136/mo
Today · 4.125%
HK$4,568
baseline
▲ 0.50% · 4.625%
HK$4,846
+HK$278/mo
Deposit HK$628K · loan HK$942K · min. income ≈ HK$9,136/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$4,782
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,910
−HK$130/mo
Today · 4.125%
HK$5,040
baseline
▲ 0.50% · 4.625%
HK$5,306
+HK$266/mo
Deposit HK$628K · loan HK$942K · min. income ≈ HK$10,080/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$5,015
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,171
−HK$158/mo
Today · 4.125%
HK$5,329
baseline
▲ 0.50% · 4.625%
HK$5,653
+HK$324/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$10,658/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$5,579
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,728
−HK$152/mo
Today · 4.125%
HK$5,880
baseline
▲ 0.50% · 4.625%
HK$6,190
+HK$310/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$11,760/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$6,447
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,648
−HK$204/mo
Today · 4.125%
HK$6,852
baseline
▲ 0.50% · 4.625%
HK$7,268
+HK$416/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,704/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$7,172
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,365
−HK$195/mo
Today · 4.125%
HK$7,560
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$399/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,120/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).