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$3,752
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,869
−HK$118/mo
Today · 4.125%
HK$3,987
baseline
▲ 0.50% · 4.625%
HK$4,230
+HK$243/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$7,974/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,174
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,286
−HK$114/mo
Today · 4.125%
HK$4,400
baseline
▲ 0.50% · 4.625%
HK$4,632
+HK$232/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$8,800/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,503
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,643
−HK$142/mo
Today · 4.125%
HK$4,785
baseline
▲ 0.50% · 4.625%
HK$5,076
+HK$291/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$9,570/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,009
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,143
−HK$137/mo
Today · 4.125%
HK$5,280
baseline
▲ 0.50% · 4.625%
HK$5,558
+HK$278/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$10,560/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,253
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$166/mo
Today · 4.125%
HK$5,582
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$340/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$11,164/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,844
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,001
−HK$159/mo
Today · 4.125%
HK$6,160
baseline
▲ 0.50% · 4.625%
HK$6,484
+HK$324/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$12,320/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,754
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$213/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$437/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,354/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,514
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$205/mo
Today · 4.125%
HK$7,920
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$417/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,840/mo (50% DSR)
Upfront cash ≈ HK$165K (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).