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$3,795
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,913
−HK$120/mo
Today · 4.125%
HK$4,033
baseline
▲ 0.50% · 4.625%
HK$4,279
+HK$246/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,066/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$4,222
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,335
−HK$115/mo
Today · 4.125%
HK$4,450
baseline
▲ 0.50% · 4.625%
HK$4,685
+HK$235/mo
Deposit HK$832K · loan HK$832K · min. income ≈ HK$8,900/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$4,554
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,696
−HK$144/mo
Today · 4.125%
HK$4,840
baseline
▲ 0.50% · 4.625%
HK$5,134
+HK$294/mo
Deposit HK$666K · loan HK$999K · min. income ≈ HK$9,680/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$5,066
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,202
−HK$138/mo
Today · 4.125%
HK$5,340
baseline
▲ 0.50% · 4.625%
HK$5,622
+HK$282/mo
Deposit HK$666K · loan HK$999K · min. income ≈ HK$10,680/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$5,313
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,478
−HK$168/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,990
+HK$344/mo
Deposit HK$499K · loan HK$1.17M · min. income ≈ HK$11,292/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$5,911
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$161/mo
Today · 4.125%
HK$6,230
baseline
▲ 0.50% · 4.625%
HK$6,559
+HK$329/mo
Deposit HK$499K · loan HK$1.17M · min. income ≈ HK$12,460/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$6,831
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$216/mo
Today · 4.125%
HK$7,260
baseline
▲ 0.50% · 4.625%
HK$7,701
+HK$441/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$14,520/mo (50% DSR)
Upfront cash ≈ HK$167K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,600
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$206/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$423/mo
Deposit HK$166K · loan HK$1.50M · min. income ≈ HK$16,020/mo (50% DSR)
Upfront cash ≈ HK$167K (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).