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$3,645
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,758
−HK$115/mo
Today · 4.125%
HK$3,873
baseline
▲ 0.50% · 4.625%
HK$4,109
+HK$236/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$7,746/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,055
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,163
−HK$111/mo
Today · 4.125%
HK$4,274
baseline
▲ 0.50% · 4.625%
HK$4,499
+HK$225/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$8,548/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,374
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,510
−HK$138/mo
Today · 4.125%
HK$4,648
baseline
▲ 0.50% · 4.625%
HK$4,931
+HK$283/mo
Deposit HK$639K · loan HK$959K · min. income ≈ HK$9,296/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,866
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,996
−HK$132/mo
Today · 4.125%
HK$5,128
baseline
▲ 0.50% · 4.625%
HK$5,399
+HK$271/mo
Deposit HK$639K · loan HK$959K · min. income ≈ HK$10,256/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,103
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,261
−HK$161/mo
Today · 4.125%
HK$5,422
baseline
▲ 0.50% · 4.625%
HK$5,752
+HK$330/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$10,844/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,676
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,829
−HK$154/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$316/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$11,966/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,560
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,764
−HK$208/mo
Today · 4.125%
HK$6,972
baseline
▲ 0.50% · 4.625%
HK$7,396
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,944/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,298
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,494
−HK$199/mo
Today · 4.125%
HK$7,693
baseline
▲ 0.50% · 4.625%
HK$8,098
+HK$405/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,386/mo (50% DSR)
Upfront cash ≈ HK$160K (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).