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$3,733
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,849
−HK$118/mo
Today · 4.125%
HK$3,967
baseline
▲ 0.50% · 4.625%
HK$4,208
+HK$241/mo
Deposit HK$818K · loan HK$818K · min. income ≈ HK$7,934/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,153
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,264
−HK$113/mo
Today · 4.125%
HK$4,377
baseline
▲ 0.50% · 4.625%
HK$4,608
+HK$231/mo
Deposit HK$818K · loan HK$818K · min. income ≈ HK$8,754/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,479
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,619
−HK$141/mo
Today · 4.125%
HK$4,760
baseline
▲ 0.50% · 4.625%
HK$5,050
+HK$290/mo
Deposit HK$655K · loan HK$982K · min. income ≈ HK$9,520/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,983
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,117
−HK$135/mo
Today · 4.125%
HK$5,252
baseline
▲ 0.50% · 4.625%
HK$5,529
+HK$277/mo
Deposit HK$655K · loan HK$982K · min. income ≈ HK$10,504/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,226
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,388
−HK$166/mo
Today · 4.125%
HK$5,554
baseline
▲ 0.50% · 4.625%
HK$5,891
+HK$337/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,108/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,814
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,970
−HK$158/mo
Today · 4.125%
HK$6,128
baseline
▲ 0.50% · 4.625%
HK$6,451
+HK$323/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,256/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,719
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$212/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,575
+HK$435/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,280/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,475
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$204/mo
Today · 4.125%
HK$7,879
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$415/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,758/mo (50% DSR)
Upfront cash ≈ HK$164K (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).