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$3,796
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,914
−HK$120/mo
Today · 4.125%
HK$4,034
baseline
▲ 0.50% · 4.625%
HK$4,279
+HK$245/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,068/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,223
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,336
−HK$115/mo
Today · 4.125%
HK$4,451
baseline
▲ 0.50% · 4.625%
HK$4,685
+HK$234/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,902/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,555
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,696
−HK$144/mo
Today · 4.125%
HK$4,840
baseline
▲ 0.50% · 4.625%
HK$5,135
+HK$295/mo
Deposit HK$666K · loan HK$999K · min. income ≈ HK$9,680/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,067
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,203
−HK$138/mo
Today · 4.125%
HK$5,341
baseline
▲ 0.50% · 4.625%
HK$5,622
+HK$281/mo
Deposit HK$666K · loan HK$999K · min. income ≈ HK$10,682/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,314
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$168/mo
Today · 4.125%
HK$5,647
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$344/mo
Deposit HK$499K · loan HK$1.17M · min. income ≈ HK$11,294/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,912
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$161/mo
Today · 4.125%
HK$6,231
baseline
▲ 0.50% · 4.625%
HK$6,559
+HK$328/mo
Deposit HK$499K · loan HK$1.17M · min. income ≈ HK$12,462/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,832
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,522/mo (50% DSR)
Upfront cash ≈ HK$167K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,601
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$207/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$423/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,022/mo (50% DSR)
Upfront cash ≈ HK$167K (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).