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$3,794
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,912
−HK$120/mo
Today · 4.125%
HK$4,032
baseline
▲ 0.50% · 4.625%
HK$4,277
+HK$245/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,064/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,220
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,334
−HK$114/mo
Today · 4.125%
HK$4,448
baseline
▲ 0.50% · 4.625%
HK$4,683
+HK$235/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,896/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,552
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,694
−HK$144/mo
Today · 4.125%
HK$4,838
baseline
▲ 0.50% · 4.625%
HK$5,132
+HK$294/mo
Deposit HK$665K · loan HK$998K · min. income ≈ HK$9,676/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,065
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,200
−HK$138/mo
Today · 4.125%
HK$5,338
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$282/mo
Deposit HK$665K · loan HK$998K · min. income ≈ HK$10,676/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,311
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,476
−HK$168/mo
Today · 4.125%
HK$5,644
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$344/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$11,288/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,909
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$161/mo
Today · 4.125%
HK$6,228
baseline
▲ 0.50% · 4.625%
HK$6,556
+HK$328/mo
Deposit HK$499K · loan HK$1.16M · min. income ≈ HK$12,456/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,829
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$216/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,514/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,597
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$206/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$422/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,014/mo (50% DSR)
Upfront cash ≈ HK$166K (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).