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$3,691
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,805
−HK$117/mo
Today · 4.125%
HK$3,922
baseline
▲ 0.50% · 4.625%
HK$4,161
+HK$239/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$7,844/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,106
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,216
−HK$112/mo
Today · 4.125%
HK$4,328
baseline
▲ 0.50% · 4.625%
HK$4,556
+HK$228/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$8,656/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,429
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,566
−HK$140/mo
Today · 4.125%
HK$4,706
baseline
▲ 0.50% · 4.625%
HK$4,993
+HK$287/mo
Deposit HK$647K · loan HK$971K · min. income ≈ HK$9,412/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,059
−HK$134/mo
Today · 4.125%
HK$5,193
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$274/mo
Deposit HK$647K · loan HK$971K · min. income ≈ HK$10,386/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,167
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,328
−HK$163/mo
Today · 4.125%
HK$5,491
baseline
▲ 0.50% · 4.625%
HK$5,825
+HK$334/mo
Deposit HK$486K · loan HK$1.13M · min. income ≈ HK$10,982/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,748
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,902
−HK$157/mo
Today · 4.125%
HK$6,059
baseline
▲ 0.50% · 4.625%
HK$6,378
+HK$319/mo
Deposit HK$486K · loan HK$1.13M · min. income ≈ HK$12,118/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,643
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$210/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,489
+HK$429/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,120/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,390
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$201/mo
Today · 4.125%
HK$7,790
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$410/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,580/mo (50% DSR)
Upfront cash ≈ HK$162K (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).