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$3,580
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,691
−HK$113/mo
Today · 4.125%
HK$3,804
baseline
▲ 0.50% · 4.625%
HK$4,036
+HK$232/mo
Deposit HK$785K · loan HK$785K · min. income ≈ HK$7,608/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,982
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,089
−HK$109/mo
Today · 4.125%
HK$4,198
baseline
▲ 0.50% · 4.625%
HK$4,419
+HK$221/mo
Deposit HK$785K · loan HK$785K · min. income ≈ HK$8,396/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,296
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$136/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,843
+HK$278/mo
Deposit HK$628K · loan HK$942K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,779
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$130/mo
Today · 4.125%
HK$5,037
baseline
▲ 0.50% · 4.625%
HK$5,303
+HK$266/mo
Deposit HK$628K · loan HK$942K · min. income ≈ HK$10,074/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,012
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,167
−HK$159/mo
Today · 4.125%
HK$5,326
baseline
▲ 0.50% · 4.625%
HK$5,650
+HK$324/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$10,652/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,575
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,725
−HK$152/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,186
+HK$309/mo
Deposit HK$471K · loan HK$1.10M · min. income ≈ HK$11,754/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,443
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,644
−HK$204/mo
Today · 4.125%
HK$6,848
baseline
▲ 0.50% · 4.625%
HK$7,264
+HK$416/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,696/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,168
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$195/mo
Today · 4.125%
HK$7,556
baseline
▲ 0.50% · 4.625%
HK$7,954
+HK$398/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,112/mo (50% DSR)
Upfront cash ≈ HK$157K (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).