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$3,679
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,793
−HK$116/mo
Today · 4.125%
HK$3,909
baseline
▲ 0.50% · 4.625%
HK$4,147
+HK$238/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$7,818/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$4,092
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,202
−HK$111/mo
Today · 4.125%
HK$4,313
baseline
▲ 0.50% · 4.625%
HK$4,541
+HK$228/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$8,626/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$4,414
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,552
−HK$139/mo
Today · 4.125%
HK$4,691
baseline
▲ 0.50% · 4.625%
HK$4,976
+HK$285/mo
Deposit HK$645K · loan HK$968K · min. income ≈ HK$9,382/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,911
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$133/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$273/mo
Deposit HK$645K · loan HK$968K · min. income ≈ HK$10,352/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,150
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$163/mo
Today · 4.125%
HK$5,473
baseline
▲ 0.50% · 4.625%
HK$5,806
+HK$333/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,946/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$5,729
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$156/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,357
+HK$318/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,078/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$6,621
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,827
−HK$210/mo
Today · 4.125%
HK$7,037
baseline
▲ 0.50% · 4.625%
HK$7,465
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,074/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,366
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$200/mo
Today · 4.125%
HK$7,764
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$409/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,528/mo (50% DSR)
Upfront cash ≈ HK$161K (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).