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$3,604
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,716
−HK$114/mo
Today · 4.125%
HK$3,830
baseline
▲ 0.50% · 4.625%
HK$4,063
+HK$233/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$7,660/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,010
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,117
−HK$109/mo
Today · 4.125%
HK$4,226
baseline
▲ 0.50% · 4.625%
HK$4,449
+HK$223/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$8,452/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,325
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,460
−HK$136/mo
Today · 4.125%
HK$4,596
baseline
▲ 0.50% · 4.625%
HK$4,876
+HK$280/mo
Deposit HK$632K · loan HK$948K · min. income ≈ HK$9,192/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,812
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,941
−HK$131/mo
Today · 4.125%
HK$5,072
baseline
▲ 0.50% · 4.625%
HK$5,339
+HK$267/mo
Deposit HK$632K · loan HK$948K · min. income ≈ HK$10,144/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,046
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,203
−HK$159/mo
Today · 4.125%
HK$5,362
baseline
▲ 0.50% · 4.625%
HK$5,689
+HK$327/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$10,724/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$5,614
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$153/mo
Today · 4.125%
HK$5,917
baseline
▲ 0.50% · 4.625%
HK$6,229
+HK$312/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$11,834/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$6,488
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,689
−HK$205/mo
Today · 4.125%
HK$6,894
baseline
▲ 0.50% · 4.625%
HK$7,314
+HK$420/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,788/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$7,217
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,411
−HK$196/mo
Today · 4.125%
HK$7,607
baseline
▲ 0.50% · 4.625%
HK$8,008
+HK$401/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,214/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).