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$3,788
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,906
−HK$119/mo
Today · 4.125%
HK$4,025
baseline
▲ 0.50% · 4.625%
HK$4,270
+HK$245/mo
Deposit HK$831K · loan HK$831K · min. income ≈ HK$8,050/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,214
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,327
−HK$115/mo
Today · 4.125%
HK$4,442
baseline
▲ 0.50% · 4.625%
HK$4,676
+HK$234/mo
Deposit HK$831K · loan HK$831K · min. income ≈ HK$8,884/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,545
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,687
−HK$144/mo
Today · 4.125%
HK$4,831
baseline
▲ 0.50% · 4.625%
HK$5,124
+HK$293/mo
Deposit HK$664K · loan HK$997K · min. income ≈ HK$9,662/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$5,057
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,192
−HK$138/mo
Today · 4.125%
HK$5,330
baseline
▲ 0.50% · 4.625%
HK$5,611
+HK$281/mo
Deposit HK$664K · loan HK$997K · min. income ≈ HK$10,660/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$5,303
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$168/mo
Today · 4.125%
HK$5,636
baseline
▲ 0.50% · 4.625%
HK$5,979
+HK$343/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$11,272/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,900
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$160/mo
Today · 4.125%
HK$6,218
baseline
▲ 0.50% · 4.625%
HK$6,546
+HK$328/mo
Deposit HK$498K · loan HK$1.16M · min. income ≈ HK$12,436/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,818
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$216/mo
Today · 4.125%
HK$7,246
baseline
▲ 0.50% · 4.625%
HK$7,687
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,492/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$7,585
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$206/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$421/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$15,990/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).