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$3,642
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,755
−HK$115/mo
Today · 4.125%
HK$3,870
baseline
▲ 0.50% · 4.625%
HK$4,106
+HK$236/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$7,740/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,051
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,160
−HK$110/mo
Today · 4.125%
HK$4,270
baseline
▲ 0.50% · 4.625%
HK$4,495
+HK$225/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$8,540/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,370
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,506
−HK$138/mo
Today · 4.125%
HK$4,644
baseline
▲ 0.50% · 4.625%
HK$4,927
+HK$283/mo
Deposit HK$639K · loan HK$958K · min. income ≈ HK$9,288/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,862
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,992
−HK$132/mo
Today · 4.125%
HK$5,124
baseline
▲ 0.50% · 4.625%
HK$5,395
+HK$271/mo
Deposit HK$639K · loan HK$958K · min. income ≈ HK$10,248/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,099
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$161/mo
Today · 4.125%
HK$5,418
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$330/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$10,836/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,672
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,824
−HK$155/mo
Today · 4.125%
HK$5,979
baseline
▲ 0.50% · 4.625%
HK$6,294
+HK$315/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$11,958/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,555
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,759
−HK$207/mo
Today · 4.125%
HK$6,966
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,932/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$199/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$405/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,374/mo (50% DSR)
Upfront cash ≈ HK$160K (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).