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$3,610
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,722
−HK$114/mo
Today · 4.125%
HK$3,836
baseline
▲ 0.50% · 4.625%
HK$4,070
+HK$234/mo
Deposit HK$792K · loan HK$792K · min. income ≈ HK$7,672/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,016
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,124
−HK$109/mo
Today · 4.125%
HK$4,233
baseline
▲ 0.50% · 4.625%
HK$4,456
+HK$223/mo
Deposit HK$792K · loan HK$792K · min. income ≈ HK$8,466/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,332
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,467
−HK$137/mo
Today · 4.125%
HK$4,604
baseline
▲ 0.50% · 4.625%
HK$4,884
+HK$280/mo
Deposit HK$633K · loan HK$950K · min. income ≈ HK$9,208/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,819
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,949
−HK$131/mo
Today · 4.125%
HK$5,080
baseline
▲ 0.50% · 4.625%
HK$5,348
+HK$268/mo
Deposit HK$633K · loan HK$950K · min. income ≈ HK$10,160/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,054
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,211
−HK$160/mo
Today · 4.125%
HK$5,371
baseline
▲ 0.50% · 4.625%
HK$5,698
+HK$327/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$10,742/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,623
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,773
−HK$153/mo
Today · 4.125%
HK$5,926
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$313/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$11,852/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,498
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$206/mo
Today · 4.125%
HK$6,906
baseline
▲ 0.50% · 4.625%
HK$7,326
+HK$420/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,812/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$7,229
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$197/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$401/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,240/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).