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$3,777
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,894
−HK$120/mo
Today · 4.125%
HK$4,014
baseline
▲ 0.50% · 4.625%
HK$4,258
+HK$244/mo
Deposit HK$828K · loan HK$828K · min. income ≈ HK$8,028/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,202
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,315
−HK$114/mo
Today · 4.125%
HK$4,429
baseline
▲ 0.50% · 4.625%
HK$4,662
+HK$233/mo
Deposit HK$828K · loan HK$828K · min. income ≈ HK$8,858/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,532
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,673
−HK$144/mo
Today · 4.125%
HK$4,817
baseline
▲ 0.50% · 4.625%
HK$5,110
+HK$293/mo
Deposit HK$663K · loan HK$994K · min. income ≈ HK$9,634/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,042
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,177
−HK$138/mo
Today · 4.125%
HK$5,315
baseline
▲ 0.50% · 4.625%
HK$5,595
+HK$280/mo
Deposit HK$663K · loan HK$994K · min. income ≈ HK$10,630/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,288
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,452
−HK$167/mo
Today · 4.125%
HK$5,619
baseline
▲ 0.50% · 4.625%
HK$5,961
+HK$342/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$11,238/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,883
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,040
−HK$160/mo
Today · 4.125%
HK$6,200
baseline
▲ 0.50% · 4.625%
HK$6,527
+HK$327/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$12,400/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,799
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,010
−HK$215/mo
Today · 4.125%
HK$7,225
baseline
▲ 0.50% · 4.625%
HK$7,665
+HK$440/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,450/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,563
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,766
−HK$206/mo
Today · 4.125%
HK$7,972
baseline
▲ 0.50% · 4.625%
HK$8,392
+HK$420/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,944/mo (50% DSR)
Upfront cash ≈ HK$166K (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).