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$3,660
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,774
−HK$116/mo
Today · 4.125%
HK$3,890
baseline
▲ 0.50% · 4.625%
HK$4,126
+HK$236/mo
Deposit HK$803K · loan HK$803K · min. income ≈ HK$7,780/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,072
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,181
−HK$111/mo
Today · 4.125%
HK$4,292
baseline
▲ 0.50% · 4.625%
HK$4,518
+HK$226/mo
Deposit HK$803K · loan HK$803K · min. income ≈ HK$8,584/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,392
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,529
−HK$139/mo
Today · 4.125%
HK$4,668
baseline
▲ 0.50% · 4.625%
HK$4,952
+HK$284/mo
Deposit HK$642K · loan HK$963K · min. income ≈ HK$9,336/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,886
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,017
−HK$133/mo
Today · 4.125%
HK$5,150
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$272/mo
Deposit HK$642K · loan HK$963K · min. income ≈ HK$10,300/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,124
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,284
−HK$162/mo
Today · 4.125%
HK$5,446
baseline
▲ 0.50% · 4.625%
HK$5,777
+HK$331/mo
Deposit HK$482K · loan HK$1.12M · min. income ≈ HK$10,892/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,701
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,853
−HK$156/mo
Today · 4.125%
HK$6,009
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$316/mo
Deposit HK$482K · loan HK$1.12M · min. income ≈ HK$12,018/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,588
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,793
−HK$208/mo
Today · 4.125%
HK$7,001
baseline
▲ 0.50% · 4.625%
HK$7,427
+HK$426/mo
Deposit HK$161K · loan HK$1.44M · min. income ≈ HK$14,002/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$7,329
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$199/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,133
+HK$408/mo
Deposit HK$161K · loan HK$1.44M · min. income ≈ HK$15,450/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).