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$3,745
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,861
−HK$118/mo
Today · 4.125%
HK$3,979
baseline
▲ 0.50% · 4.625%
HK$4,221
+HK$242/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$7,958/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,166
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,277
−HK$114/mo
Today · 4.125%
HK$4,391
baseline
▲ 0.50% · 4.625%
HK$4,622
+HK$231/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$8,782/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,493
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,633
−HK$142/mo
Today · 4.125%
HK$4,775
baseline
▲ 0.50% · 4.625%
HK$5,066
+HK$291/mo
Deposit HK$657K · loan HK$985K · min. income ≈ HK$9,550/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,999
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,133
−HK$136/mo
Today · 4.125%
HK$5,269
baseline
▲ 0.50% · 4.625%
HK$5,547
+HK$278/mo
Deposit HK$657K · loan HK$985K · min. income ≈ HK$10,538/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,242
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,405
−HK$166/mo
Today · 4.125%
HK$5,571
baseline
▲ 0.50% · 4.625%
HK$5,910
+HK$339/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,142/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,832
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,988
−HK$159/mo
Today · 4.125%
HK$6,147
baseline
▲ 0.50% · 4.625%
HK$6,471
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,294/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,740
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,950
−HK$213/mo
Today · 4.125%
HK$7,163
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,326/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$7,498
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$204/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,320
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,806/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).