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$3,794
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,912
−HK$120/mo
Today · 4.125%
HK$4,032
baseline
▲ 0.50% · 4.625%
HK$4,277
+HK$245/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,064/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,221
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,334
−HK$115/mo
Today · 4.125%
HK$4,449
baseline
▲ 0.50% · 4.625%
HK$4,684
+HK$235/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,898/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,553
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,695
−HK$144/mo
Today · 4.125%
HK$4,839
baseline
▲ 0.50% · 4.625%
HK$5,133
+HK$294/mo
Deposit HK$666K · loan HK$998K · min. income ≈ HK$9,678/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,065
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,201
−HK$138/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$281/mo
Deposit HK$666K · loan HK$998K · min. income ≈ HK$10,678/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$168/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$343/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$11,290/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,909
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$161/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$328/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$12,458/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,830
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$216/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,699
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,516/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,598
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$206/mo
Today · 4.125%
HK$8,008
baseline
▲ 0.50% · 4.625%
HK$8,430
+HK$422/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,016/mo (50% DSR)
Upfront cash ≈ HK$166K (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).