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$3,646
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,760
−HK$115/mo
Today · 4.125%
HK$3,875
baseline
▲ 0.50% · 4.625%
HK$4,111
+HK$236/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$7,750/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,056
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,165
−HK$110/mo
Today · 4.125%
HK$4,275
baseline
▲ 0.50% · 4.625%
HK$4,501
+HK$226/mo
Deposit HK$799K · loan HK$799K · min. income ≈ HK$8,550/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,375
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,511
−HK$139/mo
Today · 4.125%
HK$4,650
baseline
▲ 0.50% · 4.625%
HK$4,933
+HK$283/mo
Deposit HK$640K · loan HK$959K · min. income ≈ HK$9,300/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,868
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$132/mo
Today · 4.125%
HK$5,130
baseline
▲ 0.50% · 4.625%
HK$5,401
+HK$271/mo
Deposit HK$640K · loan HK$959K · min. income ≈ HK$10,260/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,105
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,263
−HK$162/mo
Today · 4.125%
HK$5,425
baseline
▲ 0.50% · 4.625%
HK$5,755
+HK$330/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$10,850/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,679
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$155/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$315/mo
Deposit HK$480K · loan HK$1.12M · min. income ≈ HK$11,972/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,563
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,767
−HK$208/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,399
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,950/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,301
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$199/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$405/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,392/mo (50% DSR)
Upfront cash ≈ HK$160K (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).