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$3,568
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,679
−HK$113/mo
Today · 4.125%
HK$3,792
baseline
▲ 0.50% · 4.625%
HK$4,023
+HK$231/mo
Deposit HK$782K · loan HK$782K · min. income ≈ HK$7,584/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,970
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,076
−HK$108/mo
Today · 4.125%
HK$4,184
baseline
▲ 0.50% · 4.625%
HK$4,405
+HK$221/mo
Deposit HK$782K · loan HK$782K · min. income ≈ HK$8,368/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,282
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,415
−HK$136/mo
Today · 4.125%
HK$4,551
baseline
▲ 0.50% · 4.625%
HK$4,828
+HK$277/mo
Deposit HK$626K · loan HK$939K · min. income ≈ HK$9,102/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,764
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,892
−HK$129/mo
Today · 4.125%
HK$5,021
baseline
▲ 0.50% · 4.625%
HK$5,286
+HK$265/mo
Deposit HK$626K · loan HK$939K · min. income ≈ HK$10,042/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,996
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,151
−HK$158/mo
Today · 4.125%
HK$5,309
baseline
▲ 0.50% · 4.625%
HK$5,632
+HK$323/mo
Deposit HK$469K · loan HK$1.10M · min. income ≈ HK$10,618/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,558
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,707
−HK$151/mo
Today · 4.125%
HK$5,858
baseline
▲ 0.50% · 4.625%
HK$6,167
+HK$309/mo
Deposit HK$469K · loan HK$1.10M · min. income ≈ HK$11,716/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,423
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,623
−HK$203/mo
Today · 4.125%
HK$6,826
baseline
▲ 0.50% · 4.625%
HK$7,241
+HK$415/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$13,652/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,146
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$195/mo
Today · 4.125%
HK$7,532
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$397/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$15,064/mo (50% DSR)
Upfront cash ≈ HK$157K (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).