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$3,682
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,796
−HK$116/mo
Today · 4.125%
HK$3,912
baseline
▲ 0.50% · 4.625%
HK$4,150
+HK$238/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$7,824/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,096
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,205
−HK$112/mo
Today · 4.125%
HK$4,317
baseline
▲ 0.50% · 4.625%
HK$4,544
+HK$227/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$8,634/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,418
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,555
−HK$140/mo
Today · 4.125%
HK$4,695
baseline
▲ 0.50% · 4.625%
HK$4,981
+HK$286/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$9,390/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$4,915
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,047
−HK$133/mo
Today · 4.125%
HK$5,180
baseline
▲ 0.50% · 4.625%
HK$5,453
+HK$273/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$10,360/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$5,154
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,314
−HK$163/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,811
+HK$334/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,954/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,734
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$156/mo
Today · 4.125%
HK$6,044
baseline
▲ 0.50% · 4.625%
HK$6,362
+HK$318/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,088/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,627
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$209/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$429/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,084/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$7,372
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$200/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$410/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,540/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).