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$3,676
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,790
−HK$116/mo
Today · 4.125%
HK$3,906
baseline
▲ 0.50% · 4.625%
HK$4,144
+HK$238/mo
Deposit HK$806K · loan HK$806K · min. income ≈ HK$7,812/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,089
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,199
−HK$111/mo
Today · 4.125%
HK$4,310
baseline
▲ 0.50% · 4.625%
HK$4,537
+HK$227/mo
Deposit HK$806K · loan HK$806K · min. income ≈ HK$8,620/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,411
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,548
−HK$139/mo
Today · 4.125%
HK$4,687
baseline
▲ 0.50% · 4.625%
HK$4,972
+HK$285/mo
Deposit HK$645K · loan HK$967K · min. income ≈ HK$9,374/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,907
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,038
−HK$134/mo
Today · 4.125%
HK$5,172
baseline
▲ 0.50% · 4.625%
HK$5,445
+HK$273/mo
Deposit HK$645K · loan HK$967K · min. income ≈ HK$10,344/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,146
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$162/mo
Today · 4.125%
HK$5,468
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$333/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,936/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,725
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$156/mo
Today · 4.125%
HK$6,034
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$318/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,068/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,616
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$209/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,062/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,360
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$200/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$409/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,516/mo (50% DSR)
Upfront cash ≈ HK$161K (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).