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$3,761
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,878
−HK$119/mo
Today · 4.125%
HK$3,997
baseline
▲ 0.50% · 4.625%
HK$4,240
+HK$243/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$7,994/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,184
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,297
−HK$114/mo
Today · 4.125%
HK$4,411
baseline
▲ 0.50% · 4.625%
HK$4,643
+HK$232/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$8,822/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,514
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,654
−HK$143/mo
Today · 4.125%
HK$4,797
baseline
▲ 0.50% · 4.625%
HK$5,089
+HK$292/mo
Deposit HK$660K · loan HK$990K · min. income ≈ HK$9,594/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,021
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,156
−HK$137/mo
Today · 4.125%
HK$5,293
baseline
▲ 0.50% · 4.625%
HK$5,572
+HK$279/mo
Deposit HK$660K · loan HK$990K · min. income ≈ HK$10,586/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,266
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,430
−HK$166/mo
Today · 4.125%
HK$5,596
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$341/mo
Deposit HK$495K · loan HK$1.15M · min. income ≈ HK$11,192/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,858
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$160/mo
Today · 4.125%
HK$6,175
baseline
▲ 0.50% · 4.625%
HK$6,500
+HK$325/mo
Deposit HK$495K · loan HK$1.15M · min. income ≈ HK$12,350/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,770
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$214/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$438/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,390/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,532
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,734
−HK$205/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,357
+HK$418/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,878/mo (50% DSR)
Upfront cash ≈ HK$165K (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).