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$3,640
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,753
−HK$115/mo
Today · 4.125%
HK$3,868
baseline
▲ 0.50% · 4.625%
HK$4,104
+HK$236/mo
Deposit HK$798K · loan HK$798K · min. income ≈ HK$7,736/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,049
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,158
−HK$110/mo
Today · 4.125%
HK$4,268
baseline
▲ 0.50% · 4.625%
HK$4,493
+HK$225/mo
Deposit HK$798K · loan HK$798K · min. income ≈ HK$8,536/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,368
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,504
−HK$138/mo
Today · 4.125%
HK$4,642
baseline
▲ 0.50% · 4.625%
HK$4,924
+HK$282/mo
Deposit HK$639K · loan HK$958K · min. income ≈ HK$9,284/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,859
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,990
−HK$132/mo
Today · 4.125%
HK$5,122
baseline
▲ 0.50% · 4.625%
HK$5,392
+HK$270/mo
Deposit HK$639K · loan HK$958K · min. income ≈ HK$10,244/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,096
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,254
−HK$162/mo
Today · 4.125%
HK$5,416
baseline
▲ 0.50% · 4.625%
HK$5,745
+HK$329/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$10,832/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,669
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,821
−HK$155/mo
Today · 4.125%
HK$5,976
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$314/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$11,952/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,552
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$207/mo
Today · 4.125%
HK$6,963
baseline
▲ 0.50% · 4.625%
HK$7,387
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,926/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,289
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,484
−HK$199/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,088
+HK$405/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,366/mo (50% DSR)
Upfront cash ≈ HK$160K (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).