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$3,666
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,780
−HK$116/mo
Today · 4.125%
HK$3,896
baseline
▲ 0.50% · 4.625%
HK$4,133
+HK$237/mo
Deposit HK$804K · loan HK$804K · min. income ≈ HK$7,792/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,078
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,188
−HK$111/mo
Today · 4.125%
HK$4,299
baseline
▲ 0.50% · 4.625%
HK$4,525
+HK$226/mo
Deposit HK$804K · loan HK$804K · min. income ≈ HK$8,598/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,399
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,536
−HK$139/mo
Today · 4.125%
HK$4,675
baseline
▲ 0.50% · 4.625%
HK$4,959
+HK$284/mo
Deposit HK$643K · loan HK$965K · min. income ≈ HK$9,350/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,894
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,025
−HK$133/mo
Today · 4.125%
HK$5,158
baseline
▲ 0.50% · 4.625%
HK$5,430
+HK$272/mo
Deposit HK$643K · loan HK$965K · min. income ≈ HK$10,316/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,132
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,292
−HK$162/mo
Today · 4.125%
HK$5,454
baseline
▲ 0.50% · 4.625%
HK$5,786
+HK$332/mo
Deposit HK$482K · loan HK$1.13M · min. income ≈ HK$10,908/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,709
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$155/mo
Today · 4.125%
HK$6,018
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$317/mo
Deposit HK$482K · loan HK$1.13M · min. income ≈ HK$12,036/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,598
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$208/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$427/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,024/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$7,341
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$199/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,474/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).