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$3,648
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,761
−HK$115/mo
Today · 4.125%
HK$3,876
baseline
▲ 0.50% · 4.625%
HK$4,112
+HK$236/mo
Deposit HK$800K · loan HK$800K · min. income ≈ HK$7,752/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,058
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$110/mo
Today · 4.125%
HK$4,277
baseline
▲ 0.50% · 4.625%
HK$4,503
+HK$226/mo
Deposit HK$800K · loan HK$800K · min. income ≈ HK$8,554/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,377
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,513
−HK$139/mo
Today · 4.125%
HK$4,652
baseline
▲ 0.50% · 4.625%
HK$4,935
+HK$283/mo
Deposit HK$640K · loan HK$960K · min. income ≈ HK$9,304/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,870
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$133/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,403
+HK$270/mo
Deposit HK$640K · loan HK$960K · min. income ≈ HK$10,266/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,107
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,266
−HK$161/mo
Today · 4.125%
HK$5,427
baseline
▲ 0.50% · 4.625%
HK$5,757
+HK$330/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$10,854/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$5,681
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,834
−HK$154/mo
Today · 4.125%
HK$5,988
baseline
▲ 0.50% · 4.625%
HK$6,304
+HK$316/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$11,976/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$6,566
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,770
−HK$207/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,402
+HK$425/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,954/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$7,304
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$199/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$406/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,398/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).