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$3,688
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,803
−HK$116/mo
Today · 4.125%
HK$3,919
baseline
▲ 0.50% · 4.625%
HK$4,158
+HK$239/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$7,838/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,103
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,213
−HK$112/mo
Today · 4.125%
HK$4,325
baseline
▲ 0.50% · 4.625%
HK$4,553
+HK$228/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$8,650/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,426
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,563
−HK$140/mo
Today · 4.125%
HK$4,703
baseline
▲ 0.50% · 4.625%
HK$4,989
+HK$286/mo
Deposit HK$647K · loan HK$970K · min. income ≈ HK$9,406/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,924
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,056
−HK$134/mo
Today · 4.125%
HK$5,190
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$273/mo
Deposit HK$647K · loan HK$970K · min. income ≈ HK$10,380/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,163
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,324
−HK$163/mo
Today · 4.125%
HK$5,487
baseline
▲ 0.50% · 4.625%
HK$5,821
+HK$334/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$10,974/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,744
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,898
−HK$156/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,374
+HK$320/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$12,108/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,639
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,845
−HK$210/mo
Today · 4.125%
HK$7,055
baseline
▲ 0.50% · 4.625%
HK$7,484
+HK$429/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,110/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,385
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,583
−HK$201/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$411/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,568/mo (50% DSR)
Upfront cash ≈ HK$162K (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).