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$3,603
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,715
−HK$114/mo
Today · 4.125%
HK$3,829
baseline
▲ 0.50% · 4.625%
HK$4,062
+HK$233/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$7,658/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,008
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,116
−HK$109/mo
Today · 4.125%
HK$4,225
baseline
▲ 0.50% · 4.625%
HK$4,447
+HK$222/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$8,450/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,324
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,458
−HK$137/mo
Today · 4.125%
HK$4,595
baseline
▲ 0.50% · 4.625%
HK$4,874
+HK$279/mo
Deposit HK$632K · loan HK$948K · min. income ≈ HK$9,190/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,810
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,939
−HK$131/mo
Today · 4.125%
HK$5,070
baseline
▲ 0.50% · 4.625%
HK$5,337
+HK$267/mo
Deposit HK$632K · loan HK$948K · min. income ≈ HK$10,140/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,044
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,201
−HK$159/mo
Today · 4.125%
HK$5,360
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$327/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$10,720/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,612
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,762
−HK$153/mo
Today · 4.125%
HK$5,915
baseline
▲ 0.50% · 4.625%
HK$6,226
+HK$311/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$11,830/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,485
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$205/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,784/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,215
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$197/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,210/mo (50% DSR)
Upfront cash ≈ HK$158K (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).