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$3,736
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,852
−HK$118/mo
Today · 4.125%
HK$3,970
baseline
▲ 0.50% · 4.625%
HK$4,212
+HK$242/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$7,940/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,156
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,267
−HK$114/mo
Today · 4.125%
HK$4,381
baseline
▲ 0.50% · 4.625%
HK$4,611
+HK$230/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$8,762/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,483
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,622
−HK$142/mo
Today · 4.125%
HK$4,764
baseline
▲ 0.50% · 4.625%
HK$5,054
+HK$290/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$9,528/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,987
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,121
−HK$136/mo
Today · 4.125%
HK$5,257
baseline
▲ 0.50% · 4.625%
HK$5,534
+HK$277/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$10,514/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,230
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$165/mo
Today · 4.125%
HK$5,558
baseline
▲ 0.50% · 4.625%
HK$5,896
+HK$338/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,116/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,818
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$159/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$323/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,724
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$212/mo
Today · 4.125%
HK$7,146
baseline
▲ 0.50% · 4.625%
HK$7,581
+HK$435/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,292/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$7,481
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,681
−HK$204/mo
Today · 4.125%
HK$7,885
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$416/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,770/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).