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$3,620
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,733
−HK$115/mo
Today · 4.125%
HK$3,848
baseline
▲ 0.50% · 4.625%
HK$4,082
+HK$234/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$7,696/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,028
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,136
−HK$109/mo
Today · 4.125%
HK$4,245
baseline
▲ 0.50% · 4.625%
HK$4,469
+HK$224/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$8,490/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,345
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,480
−HK$137/mo
Today · 4.125%
HK$4,617
baseline
▲ 0.50% · 4.625%
HK$4,898
+HK$281/mo
Deposit HK$635K · loan HK$953K · min. income ≈ HK$9,234/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,833
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$131/mo
Today · 4.125%
HK$5,094
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$269/mo
Deposit HK$635K · loan HK$953K · min. income ≈ HK$10,188/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,069
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,226
−HK$161/mo
Today · 4.125%
HK$5,387
baseline
▲ 0.50% · 4.625%
HK$5,714
+HK$327/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,774/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,639
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,790
−HK$154/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,257
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,888/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,517
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$206/mo
Today · 4.125%
HK$6,926
baseline
▲ 0.50% · 4.625%
HK$7,347
+HK$421/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,852/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,250
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$198/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,044
+HK$402/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,284/mo (50% DSR)
Upfront cash ≈ HK$159K (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).