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$3,793
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,910
−HK$120/mo
Today · 4.125%
HK$4,030
baseline
▲ 0.50% · 4.625%
HK$4,276
+HK$246/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,060/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,219
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,332
−HK$115/mo
Today · 4.125%
HK$4,447
baseline
▲ 0.50% · 4.625%
HK$4,681
+HK$234/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,894/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,551
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,693
−HK$143/mo
Today · 4.125%
HK$4,836
baseline
▲ 0.50% · 4.625%
HK$5,131
+HK$295/mo
Deposit HK$665K · loan HK$998K · min. income ≈ HK$9,672/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,063
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,199
−HK$138/mo
Today · 4.125%
HK$5,337
baseline
▲ 0.50% · 4.625%
HK$5,618
+HK$281/mo
Deposit HK$665K · loan HK$998K · min. income ≈ HK$10,674/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,310
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,475
−HK$167/mo
Today · 4.125%
HK$5,642
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$344/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$11,284/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,907
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,065
−HK$161/mo
Today · 4.125%
HK$6,226
baseline
▲ 0.50% · 4.625%
HK$6,554
+HK$328/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$12,452/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,827
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,039
−HK$216/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,696
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,510/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,594
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,798
−HK$207/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$422/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,010/mo (50% DSR)
Upfront cash ≈ HK$166K (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).