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$3,727
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,843
−HK$118/mo
Today · 4.125%
HK$3,961
baseline
▲ 0.50% · 4.625%
HK$4,202
+HK$241/mo
Deposit HK$817K · loan HK$817K · min. income ≈ HK$7,922/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,147
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,258
−HK$113/mo
Today · 4.125%
HK$4,371
baseline
▲ 0.50% · 4.625%
HK$4,601
+HK$230/mo
Deposit HK$817K · loan HK$817K · min. income ≈ HK$8,742/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,473
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,612
−HK$141/mo
Today · 4.125%
HK$4,753
baseline
▲ 0.50% · 4.625%
HK$5,043
+HK$290/mo
Deposit HK$654K · loan HK$981K · min. income ≈ HK$9,506/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,976
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,109
−HK$136/mo
Today · 4.125%
HK$5,245
baseline
▲ 0.50% · 4.625%
HK$5,521
+HK$276/mo
Deposit HK$654K · loan HK$981K · min. income ≈ HK$10,490/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,218
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,381
−HK$164/mo
Today · 4.125%
HK$5,545
baseline
▲ 0.50% · 4.625%
HK$5,883
+HK$338/mo
Deposit HK$490K · loan HK$1.14M · min. income ≈ HK$11,090/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,805
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,961
−HK$158/mo
Today · 4.125%
HK$6,119
baseline
▲ 0.50% · 4.625%
HK$6,441
+HK$322/mo
Deposit HK$490K · loan HK$1.14M · min. income ≈ HK$12,238/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,709
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$212/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,564
+HK$434/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,260/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$7,464
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$203/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,282
+HK$415/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,734/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).