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$3,701
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,816
−HK$117/mo
Today · 4.125%
HK$3,933
baseline
▲ 0.50% · 4.625%
HK$4,172
+HK$239/mo
Deposit HK$811K · loan HK$811K · min. income ≈ HK$7,866/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,117
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,227
−HK$112/mo
Today · 4.125%
HK$4,339
baseline
▲ 0.50% · 4.625%
HK$4,568
+HK$229/mo
Deposit HK$811K · loan HK$811K · min. income ≈ HK$8,678/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,441
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,579
−HK$140/mo
Today · 4.125%
HK$4,719
baseline
▲ 0.50% · 4.625%
HK$5,006
+HK$287/mo
Deposit HK$649K · loan HK$974K · min. income ≈ HK$9,438/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,940
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,073
−HK$134/mo
Today · 4.125%
HK$5,207
baseline
▲ 0.50% · 4.625%
HK$5,482
+HK$275/mo
Deposit HK$649K · loan HK$974K · min. income ≈ HK$10,414/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,181
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,342
−HK$164/mo
Today · 4.125%
HK$5,506
baseline
▲ 0.50% · 4.625%
HK$5,841
+HK$335/mo
Deposit HK$487K · loan HK$1.14M · min. income ≈ HK$11,012/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,764
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,918
−HK$157/mo
Today · 4.125%
HK$6,075
baseline
▲ 0.50% · 4.625%
HK$6,395
+HK$320/mo
Deposit HK$487K · loan HK$1.14M · min. income ≈ HK$12,150/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,661
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,868
−HK$211/mo
Today · 4.125%
HK$7,079
baseline
▲ 0.50% · 4.625%
HK$7,510
+HK$431/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,158/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,411
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,609
−HK$202/mo
Today · 4.125%
HK$7,811
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$412/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,622/mo (50% DSR)
Upfront cash ≈ HK$162K (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).