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$3,717
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,833
−HK$117/mo
Today · 4.125%
HK$3,950
baseline
▲ 0.50% · 4.625%
HK$4,191
+HK$241/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$7,900/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,135
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,246
−HK$113/mo
Today · 4.125%
HK$4,359
baseline
▲ 0.50% · 4.625%
HK$4,589
+HK$230/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$8,718/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,461
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,599
−HK$141/mo
Today · 4.125%
HK$4,740
baseline
▲ 0.50% · 4.625%
HK$5,029
+HK$289/mo
Deposit HK$652K · loan HK$978K · min. income ≈ HK$9,480/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,963
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,096
−HK$135/mo
Today · 4.125%
HK$5,231
baseline
▲ 0.50% · 4.625%
HK$5,506
+HK$275/mo
Deposit HK$652K · loan HK$978K · min. income ≈ HK$10,462/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,204
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,366
−HK$165/mo
Today · 4.125%
HK$5,531
baseline
▲ 0.50% · 4.625%
HK$5,867
+HK$336/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,062/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,790
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$157/mo
Today · 4.125%
HK$6,102
baseline
▲ 0.50% · 4.625%
HK$6,424
+HK$322/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,204/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,691
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$212/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$432/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,222/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,444
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$203/mo
Today · 4.125%
HK$7,846
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$414/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,692/mo (50% DSR)
Upfront cash ≈ HK$163K (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).