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$3,599
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,711
−HK$114/mo
Today · 4.125%
HK$3,825
baseline
▲ 0.50% · 4.625%
HK$4,058
+HK$233/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$7,650/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,004
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,111
−HK$109/mo
Today · 4.125%
HK$4,220
baseline
▲ 0.50% · 4.625%
HK$4,443
+HK$223/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$8,440/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,319
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,453
−HK$137/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$279/mo
Deposit HK$631K · loan HK$947K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,805
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,934
−HK$130/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,331
+HK$267/mo
Deposit HK$631K · loan HK$947K · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,195
−HK$160/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$326/mo
Deposit HK$474K · loan HK$1.10M · min. income ≈ HK$10,710/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,606
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,756
−HK$152/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,220
+HK$312/mo
Deposit HK$474K · loan HK$1.10M · min. income ≈ HK$11,816/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,478
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,680
−HK$205/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,304
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,770/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,207
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,400
−HK$197/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,194/mo (50% DSR)
Upfront cash ≈ HK$158K (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).