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$3,706
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,822
−HK$117/mo
Today · 4.125%
HK$3,939
baseline
▲ 0.50% · 4.625%
HK$4,179
+HK$240/mo
Deposit HK$813K · loan HK$813K · min. income ≈ HK$7,878/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,123
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,234
−HK$112/mo
Today · 4.125%
HK$4,346
baseline
▲ 0.50% · 4.625%
HK$4,575
+HK$229/mo
Deposit HK$813K · loan HK$813K · min. income ≈ HK$8,692/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,448
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,586
−HK$141/mo
Today · 4.125%
HK$4,727
baseline
▲ 0.50% · 4.625%
HK$5,014
+HK$287/mo
Deposit HK$650K · loan HK$975K · min. income ≈ HK$9,454/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,948
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$134/mo
Today · 4.125%
HK$5,215
baseline
▲ 0.50% · 4.625%
HK$5,490
+HK$275/mo
Deposit HK$650K · loan HK$975K · min. income ≈ HK$10,430/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,189
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,350
−HK$164/mo
Today · 4.125%
HK$5,514
baseline
▲ 0.50% · 4.625%
HK$5,850
+HK$336/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$11,028/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,773
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,928
−HK$157/mo
Today · 4.125%
HK$6,085
baseline
▲ 0.50% · 4.625%
HK$6,405
+HK$320/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$12,170/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,672
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$211/mo
Today · 4.125%
HK$7,090
baseline
▲ 0.50% · 4.625%
HK$7,521
+HK$431/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$14,180/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,422
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,621
−HK$202/mo
Today · 4.125%
HK$7,823
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$412/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$15,646/mo (50% DSR)
Upfront cash ≈ HK$163K (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).