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$3,560
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,671
−HK$113/mo
Today · 4.125%
HK$3,784
baseline
▲ 0.50% · 4.625%
HK$4,014
+HK$230/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$7,568/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,961
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,067
−HK$108/mo
Today · 4.125%
HK$4,175
baseline
▲ 0.50% · 4.625%
HK$4,395
+HK$220/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$8,350/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,272
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,405
−HK$135/mo
Today · 4.125%
HK$4,540
baseline
▲ 0.50% · 4.625%
HK$4,816
+HK$276/mo
Deposit HK$625K · loan HK$937K · min. income ≈ HK$9,080/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,753
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,880
−HK$130/mo
Today · 4.125%
HK$5,010
baseline
▲ 0.50% · 4.625%
HK$5,274
+HK$264/mo
Deposit HK$625K · loan HK$937K · min. income ≈ HK$10,020/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,984
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$158/mo
Today · 4.125%
HK$5,297
baseline
▲ 0.50% · 4.625%
HK$5,619
+HK$322/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$10,594/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,545
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$151/mo
Today · 4.125%
HK$5,845
baseline
▲ 0.50% · 4.625%
HK$6,153
+HK$308/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$11,690/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,408
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,608
−HK$202/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,225
+HK$415/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$13,620/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,129
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$194/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,911
+HK$396/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$15,030/mo (50% DSR)
Upfront cash ≈ HK$156K (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).