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$3,795
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,913
−HK$119/mo
Today · 4.125%
HK$4,032
baseline
▲ 0.50% · 4.625%
HK$4,278
+HK$246/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,064/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$4,221
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,335
−HK$114/mo
Today · 4.125%
HK$4,449
baseline
▲ 0.50% · 4.625%
HK$4,684
+HK$235/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,898/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$4,553
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,695
−HK$144/mo
Today · 4.125%
HK$4,839
baseline
▲ 0.50% · 4.625%
HK$5,133
+HK$294/mo
Deposit HK$666K · loan HK$998K · min. income ≈ HK$9,678/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$5,066
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,201
−HK$138/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,621
+HK$282/mo
Deposit HK$666K · loan HK$998K · min. income ≈ HK$10,678/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$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,478
−HK$167/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$344/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$11,290/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$5,910
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$161/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$329/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$12,458/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$6,830
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,043
−HK$215/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$442/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,516/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$7,598
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$207/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$422/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,018/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).