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$3,674
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,788
−HK$116/mo
Today · 4.125%
HK$3,904
baseline
▲ 0.50% · 4.625%
HK$4,142
+HK$238/mo
Deposit HK$806K · loan HK$806K · min. income ≈ HK$7,808/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,087
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,197
−HK$111/mo
Today · 4.125%
HK$4,308
baseline
▲ 0.50% · 4.625%
HK$4,535
+HK$227/mo
Deposit HK$806K · loan HK$806K · min. income ≈ HK$8,616/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,409
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,546
−HK$139/mo
Today · 4.125%
HK$4,685
baseline
▲ 0.50% · 4.625%
HK$4,970
+HK$285/mo
Deposit HK$644K · loan HK$967K · min. income ≈ HK$9,370/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,905
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,036
−HK$134/mo
Today · 4.125%
HK$5,170
baseline
▲ 0.50% · 4.625%
HK$5,442
+HK$272/mo
Deposit HK$644K · loan HK$967K · min. income ≈ HK$10,340/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,144
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,304
−HK$162/mo
Today · 4.125%
HK$5,466
baseline
▲ 0.50% · 4.625%
HK$5,799
+HK$333/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$10,932/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,722
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,876
−HK$155/mo
Today · 4.125%
HK$6,031
baseline
▲ 0.50% · 4.625%
HK$6,349
+HK$318/mo
Deposit HK$483K · loan HK$1.13M · min. income ≈ HK$12,062/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,613
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$209/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,456
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,056/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,357
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$200/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$408/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,510/mo (50% DSR)
Upfront cash ≈ HK$161K (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).