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$3,683
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,797
−HK$117/mo
Today · 4.125%
HK$3,914
baseline
▲ 0.50% · 4.625%
HK$4,152
+HK$238/mo
Deposit HK$808K · loan HK$808K · min. income ≈ HK$7,828/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,097
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,207
−HK$111/mo
Today · 4.125%
HK$4,318
baseline
▲ 0.50% · 4.625%
HK$4,546
+HK$228/mo
Deposit HK$808K · loan HK$808K · min. income ≈ HK$8,636/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,419
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,557
−HK$139/mo
Today · 4.125%
HK$4,696
baseline
▲ 0.50% · 4.625%
HK$4,982
+HK$286/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$9,392/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,916
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,048
−HK$134/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,455
+HK$273/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$10,364/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,156
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,316
−HK$163/mo
Today · 4.125%
HK$5,479
baseline
▲ 0.50% · 4.625%
HK$5,812
+HK$333/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$10,958/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,736
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,890
−HK$156/mo
Today · 4.125%
HK$6,046
baseline
▲ 0.50% · 4.625%
HK$6,364
+HK$318/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$12,092/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,629
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,835
−HK$209/mo
Today · 4.125%
HK$7,044
baseline
▲ 0.50% · 4.625%
HK$7,473
+HK$429/mo
Deposit HK$162K · loan HK$1.45M · min. income ≈ HK$14,088/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,374
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,572
−HK$201/mo
Today · 4.125%
HK$7,773
baseline
▲ 0.50% · 4.625%
HK$8,183
+HK$410/mo
Deposit HK$162K · loan HK$1.45M · min. income ≈ HK$15,546/mo (50% DSR)
Upfront cash ≈ HK$162K (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).