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$3,649
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,762
−HK$116/mo
Today · 4.125%
HK$3,878
baseline
▲ 0.50% · 4.625%
HK$4,114
+HK$236/mo
Deposit HK$800K · loan HK$800K · min. income ≈ HK$7,756/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,059
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,168
−HK$111/mo
Today · 4.125%
HK$4,279
baseline
▲ 0.50% · 4.625%
HK$4,504
+HK$225/mo
Deposit HK$800K · loan HK$800K · min. income ≈ HK$8,558/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,379
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,515
−HK$138/mo
Today · 4.125%
HK$4,653
baseline
▲ 0.50% · 4.625%
HK$4,936
+HK$283/mo
Deposit HK$640K · loan HK$960K · min. income ≈ HK$9,306/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,871
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$132/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$271/mo
Deposit HK$640K · loan HK$960K · min. income ≈ HK$10,268/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,108
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,267
−HK$162/mo
Today · 4.125%
HK$5,429
baseline
▲ 0.50% · 4.625%
HK$5,759
+HK$330/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$10,858/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,683
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$155/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,306
+HK$316/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$11,980/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,568
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,772
−HK$208/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,404
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,960/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,307
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,503
−HK$198/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$406/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,402/mo (50% DSR)
Upfront cash ≈ HK$160K (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).