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$3,620
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,732
−HK$115/mo
Today · 4.125%
HK$3,847
baseline
▲ 0.50% · 4.625%
HK$4,081
+HK$234/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$7,694/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,027
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,135
−HK$110/mo
Today · 4.125%
HK$4,245
baseline
▲ 0.50% · 4.625%
HK$4,468
+HK$223/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$8,490/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,344
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,479
−HK$137/mo
Today · 4.125%
HK$4,616
baseline
▲ 0.50% · 4.625%
HK$4,897
+HK$281/mo
Deposit HK$635K · loan HK$952K · min. income ≈ HK$9,232/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,832
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,962
−HK$132/mo
Today · 4.125%
HK$5,094
baseline
▲ 0.50% · 4.625%
HK$5,362
+HK$268/mo
Deposit HK$635K · loan HK$952K · min. income ≈ HK$10,188/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,068
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,225
−HK$161/mo
Today · 4.125%
HK$5,386
baseline
▲ 0.50% · 4.625%
HK$5,713
+HK$327/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,772/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,638
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,789
−HK$154/mo
Today · 4.125%
HK$5,943
baseline
▲ 0.50% · 4.625%
HK$6,256
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,886/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,516
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$206/mo
Today · 4.125%
HK$6,924
baseline
▲ 0.50% · 4.625%
HK$7,346
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,848/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,249
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,443
−HK$197/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$403/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,280/mo (50% DSR)
Upfront cash ≈ HK$159K (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).