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$3,768
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,885
−HK$119/mo
Today · 4.125%
HK$4,004
baseline
▲ 0.50% · 4.625%
HK$4,247
+HK$243/mo
Deposit HK$826K · loan HK$826K · min. income ≈ HK$8,008/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,191
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,304
−HK$114/mo
Today · 4.125%
HK$4,418
baseline
▲ 0.50% · 4.625%
HK$4,651
+HK$233/mo
Deposit HK$826K · loan HK$826K · min. income ≈ HK$8,836/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,521
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,662
−HK$143/mo
Today · 4.125%
HK$4,805
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$292/mo
Deposit HK$661K · loan HK$991K · min. income ≈ HK$9,610/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,030
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,165
−HK$136/mo
Today · 4.125%
HK$5,301
baseline
▲ 0.50% · 4.625%
HK$5,581
+HK$280/mo
Deposit HK$661K · loan HK$991K · min. income ≈ HK$10,602/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,275
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,439
−HK$166/mo
Today · 4.125%
HK$5,605
baseline
▲ 0.50% · 4.625%
HK$5,946
+HK$341/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$11,210/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,868
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,025
−HK$160/mo
Today · 4.125%
HK$6,185
baseline
▲ 0.50% · 4.625%
HK$6,511
+HK$326/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$12,370/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,782
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$214/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$438/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,414/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$7,545
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$205/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$419/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,904/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).