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$3,570
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,681
−HK$112/mo
Today · 4.125%
HK$3,793
baseline
▲ 0.50% · 4.625%
HK$4,024
+HK$231/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$7,586/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,971
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,078
−HK$108/mo
Today · 4.125%
HK$4,186
baseline
▲ 0.50% · 4.625%
HK$4,406
+HK$220/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$8,372/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,283
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,417
−HK$135/mo
Today · 4.125%
HK$4,552
baseline
▲ 0.50% · 4.625%
HK$4,829
+HK$277/mo
Deposit HK$626K · loan HK$939K · min. income ≈ HK$9,104/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$130/mo
Today · 4.125%
HK$5,023
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$264/mo
Deposit HK$626K · loan HK$939K · min. income ≈ HK$10,046/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,997
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,153
−HK$158/mo
Today · 4.125%
HK$5,311
baseline
▲ 0.50% · 4.625%
HK$5,634
+HK$323/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$10,622/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,559
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,709
−HK$151/mo
Today · 4.125%
HK$5,860
baseline
▲ 0.50% · 4.625%
HK$6,169
+HK$309/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$11,720/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,425
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$203/mo
Today · 4.125%
HK$6,828
baseline
▲ 0.50% · 4.625%
HK$7,243
+HK$415/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,656/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,148
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,340
−HK$194/mo
Today · 4.125%
HK$7,534
baseline
▲ 0.50% · 4.625%
HK$7,931
+HK$397/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,068/mo (50% DSR)
Upfront cash ≈ HK$157K (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).