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$3,749
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,865
−HK$119/mo
Today · 4.125%
HK$3,984
baseline
▲ 0.50% · 4.625%
HK$4,226
+HK$242/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$7,968/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$226/mo
▼ 0.25% · 3.875%
HK$4,282
−HK$114/mo
Today · 4.125%
HK$4,396
baseline
▲ 0.50% · 4.625%
HK$4,627
+HK$231/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$8,792/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$283/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$143/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,071
+HK$290/mo
Deposit HK$658K · loan HK$986K · min. income ≈ HK$9,562/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$5,005
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$136/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,553
+HK$278/mo
Deposit HK$658K · loan HK$986K · min. income ≈ HK$10,550/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$5,248
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,411
−HK$166/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$340/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,154/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$5,839
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$159/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,478
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,308/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$6,748
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$213/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,607
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,342/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$7,507
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$204/mo
Today · 4.125%
HK$7,912
baseline
▲ 0.50% · 4.625%
HK$8,329
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,824/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).