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$3,745
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,862
−HK$118/mo
Today · 4.125%
HK$3,980
baseline
▲ 0.50% · 4.625%
HK$4,222
+HK$242/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$7,960/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,167
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,278
−HK$114/mo
Today · 4.125%
HK$4,392
baseline
▲ 0.50% · 4.625%
HK$4,623
+HK$231/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$8,784/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,494
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,634
−HK$142/mo
Today · 4.125%
HK$4,776
baseline
▲ 0.50% · 4.625%
HK$5,067
+HK$291/mo
Deposit HK$657K · loan HK$985K · min. income ≈ HK$9,552/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,000
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,134
−HK$136/mo
Today · 4.125%
HK$5,270
baseline
▲ 0.50% · 4.625%
HK$5,548
+HK$278/mo
Deposit HK$657K · loan HK$985K · min. income ≈ HK$10,540/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,243
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,406
−HK$166/mo
Today · 4.125%
HK$5,572
baseline
▲ 0.50% · 4.625%
HK$5,911
+HK$339/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,144/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,833
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,990
−HK$158/mo
Today · 4.125%
HK$6,148
baseline
▲ 0.50% · 4.625%
HK$6,472
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,296/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,741
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,951
−HK$213/mo
Today · 4.125%
HK$7,164
baseline
▲ 0.50% · 4.625%
HK$7,600
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,328/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,500
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,701
−HK$204/mo
Today · 4.125%
HK$7,905
baseline
▲ 0.50% · 4.625%
HK$8,322
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,810/mo (50% DSR)
Upfront cash ≈ HK$164K (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).