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$3,553
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,663
−HK$112/mo
Today · 4.125%
HK$3,775
baseline
▲ 0.50% · 4.625%
HK$4,005
+HK$230/mo
Deposit HK$779K · loan HK$779K · min. income ≈ HK$7,550/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,952
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,058
−HK$108/mo
Today · 4.125%
HK$4,166
baseline
▲ 0.50% · 4.625%
HK$4,385
+HK$219/mo
Deposit HK$779K · loan HK$779K · min. income ≈ HK$8,332/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,263
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,396
−HK$134/mo
Today · 4.125%
HK$4,530
baseline
▲ 0.50% · 4.625%
HK$4,806
+HK$276/mo
Deposit HK$623K · loan HK$935K · min. income ≈ HK$9,060/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,743
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,870
−HK$129/mo
Today · 4.125%
HK$4,999
baseline
▲ 0.50% · 4.625%
HK$5,262
+HK$263/mo
Deposit HK$623K · loan HK$935K · min. income ≈ HK$9,998/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,974
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,128
−HK$158/mo
Today · 4.125%
HK$5,286
baseline
▲ 0.50% · 4.625%
HK$5,607
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,572/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,533
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$151/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,139
+HK$307/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,664/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,395
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$202/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,209
+HK$413/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,592/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,114
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$193/mo
Today · 4.125%
HK$7,498
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$396/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,996/mo (50% DSR)
Upfront cash ≈ HK$156K (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).