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$3,755
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,872
−HK$119/mo
Today · 4.125%
HK$3,991
baseline
▲ 0.50% · 4.625%
HK$4,234
+HK$243/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$7,982/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,178
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,290
−HK$114/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,636
+HK$232/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,507
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,647
−HK$142/mo
Today · 4.125%
HK$4,789
baseline
▲ 0.50% · 4.625%
HK$5,081
+HK$292/mo
Deposit HK$659K · loan HK$988K · min. income ≈ HK$9,578/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,014
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,148
−HK$136/mo
Today · 4.125%
HK$5,284
baseline
▲ 0.50% · 4.625%
HK$5,563
+HK$279/mo
Deposit HK$659K · loan HK$988K · min. income ≈ HK$10,568/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,258
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$166/mo
Today · 4.125%
HK$5,587
baseline
▲ 0.50% · 4.625%
HK$5,927
+HK$340/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$11,174/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,849
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,006
−HK$159/mo
Today · 4.125%
HK$6,165
baseline
▲ 0.50% · 4.625%
HK$6,490
+HK$325/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$12,330/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,760
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,970
−HK$214/mo
Today · 4.125%
HK$7,184
baseline
▲ 0.50% · 4.625%
HK$7,621
+HK$437/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,368/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,520
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$205/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$417/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,854/mo (50% DSR)
Upfront cash ≈ HK$165K (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).