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$3,783
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,901
−HK$119/mo
Today · 4.125%
HK$4,020
baseline
▲ 0.50% · 4.625%
HK$4,265
+HK$245/mo
Deposit HK$830K · loan HK$830K · min. income ≈ HK$8,040/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,209
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,322
−HK$114/mo
Today · 4.125%
HK$4,436
baseline
▲ 0.50% · 4.625%
HK$4,670
+HK$234/mo
Deposit HK$830K · loan HK$830K · min. income ≈ HK$8,872/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,540
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,681
−HK$143/mo
Today · 4.125%
HK$4,824
baseline
▲ 0.50% · 4.625%
HK$5,118
+HK$294/mo
Deposit HK$664K · loan HK$995K · min. income ≈ HK$9,648/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,050
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,186
−HK$137/mo
Today · 4.125%
HK$5,323
baseline
▲ 0.50% · 4.625%
HK$5,604
+HK$281/mo
Deposit HK$664K · loan HK$995K · min. income ≈ HK$10,646/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,296
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,461
−HK$167/mo
Today · 4.125%
HK$5,628
baseline
▲ 0.50% · 4.625%
HK$5,971
+HK$343/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$11,256/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,892
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,050
−HK$160/mo
Today · 4.125%
HK$6,210
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$328/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$12,420/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,810
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,021
−HK$216/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,677
+HK$440/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$206/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$421/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,970/mo (50% DSR)
Upfront cash ≈ HK$166K (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).