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$3,693
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,808
−HK$117/mo
Today · 4.125%
HK$3,925
baseline
▲ 0.50% · 4.625%
HK$4,163
+HK$238/mo
Deposit HK$810K · loan HK$810K · min. income ≈ HK$7,850/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,108
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,219
−HK$111/mo
Today · 4.125%
HK$4,330
baseline
▲ 0.50% · 4.625%
HK$4,559
+HK$229/mo
Deposit HK$810K · loan HK$810K · min. income ≈ HK$8,660/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,432
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,569
−HK$141/mo
Today · 4.125%
HK$4,710
baseline
▲ 0.50% · 4.625%
HK$4,996
+HK$286/mo
Deposit HK$648K · loan HK$972K · min. income ≈ HK$9,420/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,930
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$135/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,470
+HK$273/mo
Deposit HK$648K · loan HK$972K · min. income ≈ HK$10,394/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,170
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,331
−HK$163/mo
Today · 4.125%
HK$5,494
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$335/mo
Deposit HK$486K · loan HK$1.13M · min. income ≈ HK$10,988/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,752
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$157/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$319/mo
Deposit HK$486K · loan HK$1.13M · min. income ≈ HK$12,126/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,647
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,854
−HK$210/mo
Today · 4.125%
HK$7,064
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$430/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,128/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$7,395
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$201/mo
Today · 4.125%
HK$7,795
baseline
▲ 0.50% · 4.625%
HK$8,206
+HK$411/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,590/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).