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$3,710
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,825
−HK$117/mo
Today · 4.125%
HK$3,942
baseline
▲ 0.50% · 4.625%
HK$4,182
+HK$240/mo
Deposit HK$813K · loan HK$813K · min. income ≈ HK$7,884/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,127
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,238
−HK$112/mo
Today · 4.125%
HK$4,350
baseline
▲ 0.50% · 4.625%
HK$4,579
+HK$229/mo
Deposit HK$813K · loan HK$813K · min. income ≈ HK$8,700/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,452
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,590
−HK$141/mo
Today · 4.125%
HK$4,731
baseline
▲ 0.50% · 4.625%
HK$5,019
+HK$288/mo
Deposit HK$651K · loan HK$976K · min. income ≈ HK$9,462/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,952
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$135/mo
Today · 4.125%
HK$5,220
baseline
▲ 0.50% · 4.625%
HK$5,495
+HK$275/mo
Deposit HK$651K · loan HK$976K · min. income ≈ HK$10,440/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,193
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$164/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,855
+HK$336/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$11,038/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$5,778
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,933
−HK$157/mo
Today · 4.125%
HK$6,090
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$321/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$12,180/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$6,677
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,885
−HK$211/mo
Today · 4.125%
HK$7,096
baseline
▲ 0.50% · 4.625%
HK$7,528
+HK$432/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$14,192/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$7,428
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,628
−HK$202/mo
Today · 4.125%
HK$7,830
baseline
▲ 0.50% · 4.625%
HK$8,243
+HK$413/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$15,660/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).