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$3,732
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,848
−HK$118/mo
Today · 4.125%
HK$3,966
baseline
▲ 0.50% · 4.625%
HK$4,207
+HK$241/mo
Deposit HK$818K · loan HK$818K · min. income ≈ HK$7,932/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,151
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,263
−HK$113/mo
Today · 4.125%
HK$4,376
baseline
▲ 0.50% · 4.625%
HK$4,606
+HK$230/mo
Deposit HK$818K · loan HK$818K · min. income ≈ HK$8,752/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,478
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,617
−HK$142/mo
Today · 4.125%
HK$4,759
baseline
▲ 0.50% · 4.625%
HK$5,048
+HK$289/mo
Deposit HK$655K · loan HK$982K · min. income ≈ HK$9,518/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,982
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,115
−HK$136/mo
Today · 4.125%
HK$5,251
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$276/mo
Deposit HK$655K · loan HK$982K · min. income ≈ HK$10,502/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,224
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,387
−HK$165/mo
Today · 4.125%
HK$5,552
baseline
▲ 0.50% · 4.625%
HK$5,890
+HK$338/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,104/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,812
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,968
−HK$158/mo
Today · 4.125%
HK$6,126
baseline
▲ 0.50% · 4.625%
HK$6,449
+HK$323/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,252/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,717
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$212/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$434/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,276/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,472
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$203/mo
Today · 4.125%
HK$7,876
baseline
▲ 0.50% · 4.625%
HK$8,291
+HK$415/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,752/mo (50% DSR)
Upfront cash ≈ HK$164K (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).