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$3,596
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,708
−HK$114/mo
Today · 4.125%
HK$3,822
baseline
▲ 0.50% · 4.625%
HK$4,054
+HK$232/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$7,644/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,001
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,108
−HK$109/mo
Today · 4.125%
HK$4,217
baseline
▲ 0.50% · 4.625%
HK$4,439
+HK$222/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$8,434/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,315
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,449
−HK$137/mo
Today · 4.125%
HK$4,586
baseline
▲ 0.50% · 4.625%
HK$4,865
+HK$279/mo
Deposit HK$631K · loan HK$946K · min. income ≈ HK$9,172/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,801
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,929
−HK$131/mo
Today · 4.125%
HK$5,060
baseline
▲ 0.50% · 4.625%
HK$5,327
+HK$267/mo
Deposit HK$631K · loan HK$946K · min. income ≈ HK$10,120/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,034
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,191
−HK$159/mo
Today · 4.125%
HK$5,350
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$326/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$10,700/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,601
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$152/mo
Today · 4.125%
HK$5,903
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$312/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$11,806/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,473
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,674
−HK$205/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$418/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,758/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,201
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,394
−HK$196/mo
Today · 4.125%
HK$7,590
baseline
▲ 0.50% · 4.625%
HK$7,990
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,180/mo (50% DSR)
Upfront cash ≈ HK$158K (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).