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$3,664
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,778
−HK$116/mo
Today · 4.125%
HK$3,894
baseline
▲ 0.50% · 4.625%
HK$4,131
+HK$237/mo
Deposit HK$804K · loan HK$804K · min. income ≈ HK$7,788/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,077
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,186
−HK$111/mo
Today · 4.125%
HK$4,297
baseline
▲ 0.50% · 4.625%
HK$4,523
+HK$226/mo
Deposit HK$804K · loan HK$804K · min. income ≈ HK$8,594/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,397
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,534
−HK$139/mo
Today · 4.125%
HK$4,673
baseline
▲ 0.50% · 4.625%
HK$4,957
+HK$284/mo
Deposit HK$643K · loan HK$964K · min. income ≈ HK$9,346/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,892
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,023
−HK$133/mo
Today · 4.125%
HK$5,156
baseline
▲ 0.50% · 4.625%
HK$5,428
+HK$272/mo
Deposit HK$643K · loan HK$964K · min. income ≈ HK$10,312/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,130
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,290
−HK$162/mo
Today · 4.125%
HK$5,452
baseline
▲ 0.50% · 4.625%
HK$5,784
+HK$332/mo
Deposit HK$482K · loan HK$1.12M · min. income ≈ HK$10,904/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,707
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,860
−HK$156/mo
Today · 4.125%
HK$6,016
baseline
▲ 0.50% · 4.625%
HK$6,333
+HK$317/mo
Deposit HK$482K · loan HK$1.12M · min. income ≈ HK$12,032/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,596
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$209/mo
Today · 4.125%
HK$7,010
baseline
▲ 0.50% · 4.625%
HK$7,436
+HK$426/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,020/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,338
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,535
−HK$199/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,142
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,468/mo (50% DSR)
Upfront cash ≈ HK$161K (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).