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$3,713
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,829
−HK$117/mo
Today · 4.125%
HK$3,946
baseline
▲ 0.50% · 4.625%
HK$4,186
+HK$240/mo
Deposit HK$814K · loan HK$814K · min. income ≈ HK$7,892/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,131
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,242
−HK$112/mo
Today · 4.125%
HK$4,354
baseline
▲ 0.50% · 4.625%
HK$4,584
+HK$230/mo
Deposit HK$814K · loan HK$814K · min. income ≈ HK$8,708/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,456
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,595
−HK$140/mo
Today · 4.125%
HK$4,735
baseline
▲ 0.50% · 4.625%
HK$5,024
+HK$289/mo
Deposit HK$651K · loan HK$977K · min. income ≈ HK$9,470/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,957
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$135/mo
Today · 4.125%
HK$5,225
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$276/mo
Deposit HK$651K · loan HK$977K · min. income ≈ HK$10,450/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,199
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,360
−HK$165/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,861
+HK$336/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,050/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,784
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,939
−HK$157/mo
Today · 4.125%
HK$6,096
baseline
▲ 0.50% · 4.625%
HK$6,417
+HK$321/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,192/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,684
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,892
−HK$211/mo
Today · 4.125%
HK$7,103
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$432/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,206/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,436
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$203/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$413/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,676/mo (50% DSR)
Upfront cash ≈ HK$163K (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).