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$3,616
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,728
−HK$115/mo
Today · 4.125%
HK$3,843
baseline
▲ 0.50% · 4.625%
HK$4,076
+HK$233/mo
Deposit HK$793K · loan HK$793K · min. income ≈ HK$7,686/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,023
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,131
−HK$109/mo
Today · 4.125%
HK$4,240
baseline
▲ 0.50% · 4.625%
HK$4,463
+HK$223/mo
Deposit HK$793K · loan HK$793K · min. income ≈ HK$8,480/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,339
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,474
−HK$137/mo
Today · 4.125%
HK$4,611
baseline
▲ 0.50% · 4.625%
HK$4,892
+HK$281/mo
Deposit HK$634K · loan HK$951K · min. income ≈ HK$9,222/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,827
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,957
−HK$131/mo
Today · 4.125%
HK$5,088
baseline
▲ 0.50% · 4.625%
HK$5,356
+HK$268/mo
Deposit HK$634K · loan HK$951K · min. income ≈ HK$10,176/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,062
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,220
−HK$160/mo
Today · 4.125%
HK$5,380
baseline
▲ 0.50% · 4.625%
HK$5,707
+HK$327/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,760/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$5,632
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,783
−HK$153/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,249
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,872/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$6,509
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$206/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$421/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,834/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$7,241
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$197/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$402/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,264/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).