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$3,725
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,841
−HK$118/mo
Today · 4.125%
HK$3,959
baseline
▲ 0.50% · 4.625%
HK$4,200
+HK$241/mo
Deposit HK$817K · loan HK$817K · min. income ≈ HK$7,918/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,144
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,255
−HK$113/mo
Today · 4.125%
HK$4,368
baseline
▲ 0.50% · 4.625%
HK$4,598
+HK$230/mo
Deposit HK$817K · loan HK$817K · min. income ≈ HK$8,736/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,470
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,609
−HK$141/mo
Today · 4.125%
HK$4,750
baseline
▲ 0.50% · 4.625%
HK$5,040
+HK$290/mo
Deposit HK$653K · loan HK$980K · min. income ≈ HK$9,500/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,973
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,106
−HK$136/mo
Today · 4.125%
HK$5,242
baseline
▲ 0.50% · 4.625%
HK$5,518
+HK$276/mo
Deposit HK$653K · loan HK$980K · min. income ≈ HK$10,484/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,215
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$165/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$337/mo
Deposit HK$490K · loan HK$1.14M · min. income ≈ HK$11,084/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,802
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,957
−HK$158/mo
Today · 4.125%
HK$6,115
baseline
▲ 0.50% · 4.625%
HK$6,438
+HK$323/mo
Deposit HK$490K · loan HK$1.14M · min. income ≈ HK$12,230/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,705
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,914
−HK$212/mo
Today · 4.125%
HK$7,126
baseline
▲ 0.50% · 4.625%
HK$7,559
+HK$433/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,252/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,460
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,660
−HK$203/mo
Today · 4.125%
HK$7,863
baseline
▲ 0.50% · 4.625%
HK$8,277
+HK$414/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,726/mo (50% DSR)
Upfront cash ≈ HK$163K (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).