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$3,705
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,821
−HK$117/mo
Today · 4.125%
HK$3,938
baseline
▲ 0.50% · 4.625%
HK$4,177
+HK$239/mo
Deposit HK$812K · loan HK$812K · min. income ≈ HK$7,876/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$4,122
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,233
−HK$112/mo
Today · 4.125%
HK$4,345
baseline
▲ 0.50% · 4.625%
HK$4,574
+HK$229/mo
Deposit HK$812K · loan HK$812K · min. income ≈ HK$8,690/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$4,446
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,585
−HK$140/mo
Today · 4.125%
HK$4,725
baseline
▲ 0.50% · 4.625%
HK$5,013
+HK$288/mo
Deposit HK$650K · loan HK$975K · min. income ≈ HK$9,450/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$4,947
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$135/mo
Today · 4.125%
HK$5,214
baseline
▲ 0.50% · 4.625%
HK$5,489
+HK$275/mo
Deposit HK$650K · loan HK$975K · min. income ≈ HK$10,428/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$5,187
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$164/mo
Today · 4.125%
HK$5,513
baseline
▲ 0.50% · 4.625%
HK$5,848
+HK$335/mo
Deposit HK$487K · loan HK$1.14M · min. income ≈ HK$11,026/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$5,771
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,926
−HK$157/mo
Today · 4.125%
HK$6,083
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$320/mo
Deposit HK$487K · loan HK$1.14M · min. income ≈ HK$12,166/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$6,670
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$211/mo
Today · 4.125%
HK$7,088
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$431/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,176/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$7,420
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,619
−HK$202/mo
Today · 4.125%
HK$7,821
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$412/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,642/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).