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$3,560
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,670
−HK$113/mo
Today · 4.125%
HK$3,783
baseline
▲ 0.50% · 4.625%
HK$4,013
+HK$230/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$7,566/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,960
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,066
−HK$108/mo
Today · 4.125%
HK$4,174
baseline
▲ 0.50% · 4.625%
HK$4,394
+HK$220/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$8,348/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,272
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,405
−HK$135/mo
Today · 4.125%
HK$4,540
baseline
▲ 0.50% · 4.625%
HK$4,816
+HK$276/mo
Deposit HK$624K · loan HK$937K · min. income ≈ HK$9,080/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,752
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,880
−HK$129/mo
Today · 4.125%
HK$5,009
baseline
▲ 0.50% · 4.625%
HK$5,273
+HK$264/mo
Deposit HK$624K · loan HK$937K · min. income ≈ HK$10,018/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,984
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$157/mo
Today · 4.125%
HK$5,296
baseline
▲ 0.50% · 4.625%
HK$5,618
+HK$322/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$10,592/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,544
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$151/mo
Today · 4.125%
HK$5,844
baseline
▲ 0.50% · 4.625%
HK$6,152
+HK$308/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$11,688/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,407
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$202/mo
Today · 4.125%
HK$6,809
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$415/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,618/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,128
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,319
−HK$194/mo
Today · 4.125%
HK$7,513
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$396/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$15,026/mo (50% DSR)
Upfront cash ≈ HK$156K (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).