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$3,653
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,766
−HK$116/mo
Today · 4.125%
HK$3,882
baseline
▲ 0.50% · 4.625%
HK$4,118
+HK$236/mo
Deposit HK$801K · loan HK$801K · min. income ≈ HK$7,764/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,064
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,173
−HK$110/mo
Today · 4.125%
HK$4,283
baseline
▲ 0.50% · 4.625%
HK$4,509
+HK$226/mo
Deposit HK$801K · loan HK$801K · min. income ≈ HK$8,566/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,383
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,520
−HK$138/mo
Today · 4.125%
HK$4,658
baseline
▲ 0.50% · 4.625%
HK$4,942
+HK$284/mo
Deposit HK$641K · loan HK$961K · min. income ≈ HK$9,316/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$133/mo
Today · 4.125%
HK$5,140
baseline
▲ 0.50% · 4.625%
HK$5,411
+HK$271/mo
Deposit HK$641K · loan HK$961K · min. income ≈ HK$10,280/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,114
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,273
−HK$161/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,765
+HK$331/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$10,868/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,689
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,842
−HK$154/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,313
+HK$317/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$11,992/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,575
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$208/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$425/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,974/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,315
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$199/mo
Today · 4.125%
HK$7,710
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$406/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,420/mo (50% DSR)
Upfront cash ≈ HK$160K (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).