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$3,633
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,746
−HK$115/mo
Today · 4.125%
HK$3,861
baseline
▲ 0.50% · 4.625%
HK$4,096
+HK$235/mo
Deposit HK$797K · loan HK$797K · min. income ≈ HK$7,722/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,042
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,150
−HK$110/mo
Today · 4.125%
HK$4,260
baseline
▲ 0.50% · 4.625%
HK$4,485
+HK$225/mo
Deposit HK$797K · loan HK$797K · min. income ≈ HK$8,520/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,360
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,495
−HK$138/mo
Today · 4.125%
HK$4,633
baseline
▲ 0.50% · 4.625%
HK$4,915
+HK$282/mo
Deposit HK$637K · loan HK$956K · min. income ≈ HK$9,266/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,850
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,980
−HK$132/mo
Today · 4.125%
HK$5,112
baseline
▲ 0.50% · 4.625%
HK$5,382
+HK$270/mo
Deposit HK$637K · loan HK$956K · min. income ≈ HK$10,224/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,086
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,245
−HK$160/mo
Today · 4.125%
HK$5,405
baseline
▲ 0.50% · 4.625%
HK$5,734
+HK$329/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$10,810/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,659
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,810
−HK$154/mo
Today · 4.125%
HK$5,964
baseline
▲ 0.50% · 4.625%
HK$6,279
+HK$315/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$11,928/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,540
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,743
−HK$207/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$423/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,900/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,275
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$198/mo
Today · 4.125%
HK$7,668
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,336/mo (50% DSR)
Upfront cash ≈ HK$159K (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).