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$3,711
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,826
−HK$118/mo
Today · 4.125%
HK$3,944
baseline
▲ 0.50% · 4.625%
HK$4,184
+HK$240/mo
Deposit HK$814K · loan HK$814K · min. income ≈ HK$7,888/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,128
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,239
−HK$112/mo
Today · 4.125%
HK$4,351
baseline
▲ 0.50% · 4.625%
HK$4,581
+HK$230/mo
Deposit HK$814K · loan HK$814K · min. income ≈ HK$8,702/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,453
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,592
−HK$140/mo
Today · 4.125%
HK$4,732
baseline
▲ 0.50% · 4.625%
HK$5,020
+HK$288/mo
Deposit HK$651K · loan HK$976K · min. income ≈ HK$9,464/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,954
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,087
−HK$135/mo
Today · 4.125%
HK$5,222
baseline
▲ 0.50% · 4.625%
HK$5,497
+HK$275/mo
Deposit HK$651K · loan HK$976K · min. income ≈ HK$10,444/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,195
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$164/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$336/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$11,042/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,780
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$157/mo
Today · 4.125%
HK$6,092
baseline
▲ 0.50% · 4.625%
HK$6,413
+HK$321/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$12,184/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,680
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,887
−HK$211/mo
Today · 4.125%
HK$7,098
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$432/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$14,196/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$7,431
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$202/mo
Today · 4.125%
HK$7,832
baseline
▲ 0.50% · 4.625%
HK$8,245
+HK$413/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$15,664/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).