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$3,619
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,731
−HK$115/mo
Today · 4.125%
HK$3,846
baseline
▲ 0.50% · 4.625%
HK$4,080
+HK$234/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$7,692/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,026
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,134
−HK$109/mo
Today · 4.125%
HK$4,243
baseline
▲ 0.50% · 4.625%
HK$4,467
+HK$224/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$8,486/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,343
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,478
−HK$137/mo
Today · 4.125%
HK$4,615
baseline
▲ 0.50% · 4.625%
HK$4,896
+HK$281/mo
Deposit HK$635K · loan HK$952K · min. income ≈ HK$9,230/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,831
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,961
−HK$131/mo
Today · 4.125%
HK$5,092
baseline
▲ 0.50% · 4.625%
HK$5,361
+HK$269/mo
Deposit HK$635K · loan HK$952K · min. income ≈ HK$10,184/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,066
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,224
−HK$160/mo
Today · 4.125%
HK$5,384
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$328/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,768/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,636
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,787
−HK$154/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,254
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,882/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,514
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$205/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,344
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,844/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,247
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$197/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,041
+HK$403/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,276/mo (50% DSR)
Upfront cash ≈ HK$159K (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).