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$3,656
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,769
−HK$116/mo
Today · 4.125%
HK$3,885
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$236/mo
Deposit HK$802K · loan HK$802K · min. income ≈ HK$7,770/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$4,067
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,176
−HK$111/mo
Today · 4.125%
HK$4,287
baseline
▲ 0.50% · 4.625%
HK$4,513
+HK$226/mo
Deposit HK$802K · loan HK$802K · min. income ≈ HK$8,574/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$4,387
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,523
−HK$139/mo
Today · 4.125%
HK$4,662
baseline
▲ 0.50% · 4.625%
HK$4,946
+HK$284/mo
Deposit HK$641K · loan HK$962K · min. income ≈ HK$9,324/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,880
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$133/mo
Today · 4.125%
HK$5,144
baseline
▲ 0.50% · 4.625%
HK$5,415
+HK$271/mo
Deposit HK$641K · loan HK$962K · min. income ≈ HK$10,288/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,118
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,277
−HK$162/mo
Today · 4.125%
HK$5,439
baseline
▲ 0.50% · 4.625%
HK$5,770
+HK$331/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$10,878/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$5,694
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$155/mo
Today · 4.125%
HK$6,001
baseline
▲ 0.50% · 4.625%
HK$6,318
+HK$317/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$12,002/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$6,580
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$208/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$425/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,986/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,320
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$199/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$407/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,432/mo (50% DSR)
Upfront cash ≈ HK$160K (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).