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$3,558
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,668
−HK$113/mo
Today · 4.125%
HK$3,781
baseline
▲ 0.50% · 4.625%
HK$4,011
+HK$230/mo
Deposit HK$780K · loan HK$780K · min. income ≈ HK$7,562/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,958
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,064
−HK$108/mo
Today · 4.125%
HK$4,172
baseline
▲ 0.50% · 4.625%
HK$4,392
+HK$220/mo
Deposit HK$780K · loan HK$780K · min. income ≈ HK$8,344/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,269
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,402
−HK$135/mo
Today · 4.125%
HK$4,537
baseline
▲ 0.50% · 4.625%
HK$4,813
+HK$276/mo
Deposit HK$624K · loan HK$936K · min. income ≈ HK$9,074/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,750
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,877
−HK$129/mo
Today · 4.125%
HK$5,006
baseline
▲ 0.50% · 4.625%
HK$5,270
+HK$264/mo
Deposit HK$624K · loan HK$936K · min. income ≈ HK$10,012/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,981
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,136
−HK$157/mo
Today · 4.125%
HK$5,293
baseline
▲ 0.50% · 4.625%
HK$5,615
+HK$322/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$10,586/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$5,541
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,690
−HK$151/mo
Today · 4.125%
HK$5,841
baseline
▲ 0.50% · 4.625%
HK$6,148
+HK$307/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$11,682/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$6,404
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$203/mo
Today · 4.125%
HK$6,806
baseline
▲ 0.50% · 4.625%
HK$7,220
+HK$414/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,612/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$7,124
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$194/mo
Today · 4.125%
HK$7,509
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$396/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$15,018/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).