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$3,591
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,703
−HK$113/mo
Today · 4.125%
HK$3,816
baseline
▲ 0.50% · 4.625%
HK$4,048
+HK$232/mo
Deposit HK$787K · loan HK$787K · min. income ≈ HK$7,632/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,995
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,102
−HK$109/mo
Today · 4.125%
HK$4,211
baseline
▲ 0.50% · 4.625%
HK$4,433
+HK$222/mo
Deposit HK$787K · loan HK$787K · min. income ≈ HK$8,422/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,309
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,443
−HK$136/mo
Today · 4.125%
HK$4,579
baseline
▲ 0.50% · 4.625%
HK$4,858
+HK$279/mo
Deposit HK$630K · loan HK$945K · min. income ≈ HK$9,158/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,794
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$131/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,319
+HK$266/mo
Deposit HK$630K · loan HK$945K · min. income ≈ HK$10,106/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,027
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,184
−HK$159/mo
Today · 4.125%
HK$5,343
baseline
▲ 0.50% · 4.625%
HK$5,668
+HK$325/mo
Deposit HK$472K · loan HK$1.10M · min. income ≈ HK$10,686/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,593
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,743
−HK$152/mo
Today · 4.125%
HK$5,895
baseline
▲ 0.50% · 4.625%
HK$6,206
+HK$311/mo
Deposit HK$472K · loan HK$1.10M · min. income ≈ HK$11,790/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,464
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,665
−HK$204/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,287
+HK$418/mo
Deposit HK$157K · loan HK$1.42M · min. income ≈ HK$13,738/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,191
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,384
−HK$195/mo
Today · 4.125%
HK$7,579
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$400/mo
Deposit HK$157K · loan HK$1.42M · min. income ≈ HK$15,158/mo (50% DSR)
Upfront cash ≈ HK$158K (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).