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$3,748
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,865
−HK$118/mo
Today · 4.125%
HK$3,983
baseline
▲ 0.50% · 4.625%
HK$4,226
+HK$243/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$7,966/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,170
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,282
−HK$113/mo
Today · 4.125%
HK$4,395
baseline
▲ 0.50% · 4.625%
HK$4,627
+HK$232/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$8,790/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,498
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$142/mo
Today · 4.125%
HK$4,780
baseline
▲ 0.50% · 4.625%
HK$5,071
+HK$291/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$9,560/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,004
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,138
−HK$136/mo
Today · 4.125%
HK$5,274
baseline
▲ 0.50% · 4.625%
HK$5,552
+HK$278/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$10,548/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,247
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,411
−HK$165/mo
Today · 4.125%
HK$5,576
baseline
▲ 0.50% · 4.625%
HK$5,916
+HK$340/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,152/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,838
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,994
−HK$159/mo
Today · 4.125%
HK$6,153
baseline
▲ 0.50% · 4.625%
HK$6,477
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,306/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,747
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$214/mo
Today · 4.125%
HK$7,170
baseline
▲ 0.50% · 4.625%
HK$7,606
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,340/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,506
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$204/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,822/mo (50% DSR)
Upfront cash ≈ HK$164K (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).