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$3,643
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,756
−HK$115/mo
Today · 4.125%
HK$3,871
baseline
▲ 0.50% · 4.625%
HK$4,107
+HK$236/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$7,742/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,053
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,161
−HK$111/mo
Today · 4.125%
HK$4,272
baseline
▲ 0.50% · 4.625%
HK$4,497
+HK$225/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$8,544/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,371
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,507
−HK$138/mo
Today · 4.125%
HK$4,645
baseline
▲ 0.50% · 4.625%
HK$4,928
+HK$283/mo
Deposit HK$639K · loan HK$959K · min. income ≈ HK$9,290/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,863
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,994
−HK$132/mo
Today · 4.125%
HK$5,126
baseline
▲ 0.50% · 4.625%
HK$5,396
+HK$270/mo
Deposit HK$639K · loan HK$959K · min. income ≈ HK$10,252/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,100
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,259
−HK$161/mo
Today · 4.125%
HK$5,420
baseline
▲ 0.50% · 4.625%
HK$5,750
+HK$330/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$10,840/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,674
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$154/mo
Today · 4.125%
HK$5,980
baseline
▲ 0.50% · 4.625%
HK$6,295
+HK$315/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$11,960/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,557
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,761
−HK$207/mo
Today · 4.125%
HK$6,968
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,936/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$7,295
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$199/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,094
+HK$405/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,378/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).