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$3,751
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,868
−HK$119/mo
Today · 4.125%
HK$3,987
baseline
▲ 0.50% · 4.625%
HK$4,229
+HK$242/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$7,974/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,173
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,285
−HK$114/mo
Today · 4.125%
HK$4,399
baseline
▲ 0.50% · 4.625%
HK$4,631
+HK$232/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$8,798/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,502
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,642
−HK$142/mo
Today · 4.125%
HK$4,784
baseline
▲ 0.50% · 4.625%
HK$5,075
+HK$291/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$9,568/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,008
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$136/mo
Today · 4.125%
HK$5,278
baseline
▲ 0.50% · 4.625%
HK$5,557
+HK$279/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$10,556/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,252
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$166/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$340/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$11,162/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,843
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$159/mo
Today · 4.125%
HK$6,158
baseline
▲ 0.50% · 4.625%
HK$6,483
+HK$325/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$12,316/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,752
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$214/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,612
+HK$436/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,352/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,512
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$205/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,335
+HK$417/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,836/mo (50% DSR)
Upfront cash ≈ HK$165K (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).