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$3,593
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,705
−HK$113/mo
Today · 4.125%
HK$3,818
baseline
▲ 0.50% · 4.625%
HK$4,051
+HK$233/mo
Deposit HK$788K · loan HK$788K · min. income ≈ HK$7,636/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,997
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,104
−HK$109/mo
Today · 4.125%
HK$4,213
baseline
▲ 0.50% · 4.625%
HK$4,435
+HK$222/mo
Deposit HK$788K · loan HK$788K · min. income ≈ HK$8,426/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,312
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,446
−HK$136/mo
Today · 4.125%
HK$4,582
baseline
▲ 0.50% · 4.625%
HK$4,861
+HK$279/mo
Deposit HK$630K · loan HK$945K · min. income ≈ HK$9,164/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,797
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,925
−HK$131/mo
Today · 4.125%
HK$5,056
baseline
▲ 0.50% · 4.625%
HK$5,322
+HK$266/mo
Deposit HK$630K · loan HK$945K · min. income ≈ HK$10,112/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,030
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,187
−HK$159/mo
Today · 4.125%
HK$5,346
baseline
▲ 0.50% · 4.625%
HK$5,671
+HK$325/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$10,692/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,596
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,746
−HK$152/mo
Today · 4.125%
HK$5,898
baseline
▲ 0.50% · 4.625%
HK$6,209
+HK$311/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$11,796/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,467
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$205/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,291
+HK$418/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,746/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,195
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$195/mo
Today · 4.125%
HK$7,583
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,166/mo (50% DSR)
Upfront cash ≈ HK$158K (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).