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$3,658
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,772
−HK$116/mo
Today · 4.125%
HK$3,888
baseline
▲ 0.50% · 4.625%
HK$4,124
+HK$236/mo
Deposit HK$802K · loan HK$802K · min. income ≈ HK$7,776/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,070
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,179
−HK$111/mo
Today · 4.125%
HK$4,290
baseline
▲ 0.50% · 4.625%
HK$4,516
+HK$226/mo
Deposit HK$802K · loan HK$802K · min. income ≈ HK$8,580/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,390
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,526
−HK$139/mo
Today · 4.125%
HK$4,665
baseline
▲ 0.50% · 4.625%
HK$4,949
+HK$284/mo
Deposit HK$642K · loan HK$963K · min. income ≈ HK$9,330/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,884
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,015
−HK$132/mo
Today · 4.125%
HK$5,147
baseline
▲ 0.50% · 4.625%
HK$5,419
+HK$272/mo
Deposit HK$642K · loan HK$963K · min. income ≈ HK$10,294/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,121
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,281
−HK$162/mo
Today · 4.125%
HK$5,443
baseline
▲ 0.50% · 4.625%
HK$5,774
+HK$331/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$10,886/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,698
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,850
−HK$155/mo
Today · 4.125%
HK$6,005
baseline
▲ 0.50% · 4.625%
HK$6,322
+HK$317/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$12,010/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,585
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,790
−HK$208/mo
Today · 4.125%
HK$6,998
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$425/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,996/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,325
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,522
−HK$199/mo
Today · 4.125%
HK$7,721
baseline
▲ 0.50% · 4.625%
HK$8,128
+HK$407/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,442/mo (50% DSR)
Upfront cash ≈ HK$161K (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).