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$3,685
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,799
−HK$117/mo
Today · 4.125%
HK$3,916
baseline
▲ 0.50% · 4.625%
HK$4,154
+HK$238/mo
Deposit HK$808K · loan HK$808K · min. income ≈ HK$7,832/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,099
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,209
−HK$112/mo
Today · 4.125%
HK$4,321
baseline
▲ 0.50% · 4.625%
HK$4,548
+HK$227/mo
Deposit HK$808K · loan HK$808K · min. income ≈ HK$8,642/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,422
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,559
−HK$140/mo
Today · 4.125%
HK$4,699
baseline
▲ 0.50% · 4.625%
HK$4,985
+HK$286/mo
Deposit HK$646K · loan HK$970K · min. income ≈ HK$9,398/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,919
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$134/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,458
+HK$273/mo
Deposit HK$646K · loan HK$970K · min. income ≈ HK$10,370/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,159
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,319
−HK$163/mo
Today · 4.125%
HK$5,482
baseline
▲ 0.50% · 4.625%
HK$5,816
+HK$334/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$10,964/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,739
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,893
−HK$156/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,368
+HK$319/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$12,098/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,632
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$209/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$429/mo
Deposit HK$162K · loan HK$1.45M · min. income ≈ HK$14,096/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,379
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$201/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$410/mo
Deposit HK$162K · loan HK$1.45M · min. income ≈ HK$15,554/mo (50% DSR)
Upfront cash ≈ HK$162K (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).