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$3,719
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,835
−HK$117/mo
Today · 4.125%
HK$3,952
baseline
▲ 0.50% · 4.625%
HK$4,193
+HK$241/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$7,904/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,137
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,248
−HK$113/mo
Today · 4.125%
HK$4,361
baseline
▲ 0.50% · 4.625%
HK$4,591
+HK$230/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$8,722/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,463
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,602
−HK$141/mo
Today · 4.125%
HK$4,743
baseline
▲ 0.50% · 4.625%
HK$5,031
+HK$288/mo
Deposit HK$652K · loan HK$979K · min. income ≈ HK$9,486/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,965
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,098
−HK$135/mo
Today · 4.125%
HK$5,233
baseline
▲ 0.50% · 4.625%
HK$5,509
+HK$276/mo
Deposit HK$652K · loan HK$979K · min. income ≈ HK$10,466/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,207
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$164/mo
Today · 4.125%
HK$5,533
baseline
▲ 0.50% · 4.625%
HK$5,870
+HK$337/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,066/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,792
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$157/mo
Today · 4.125%
HK$6,105
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$322/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,210/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,694
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$212/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,547
+HK$433/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,228/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$7,447
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,647
−HK$203/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$413/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,700/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).