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$3,771
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,889
−HK$119/mo
Today · 4.125%
HK$4,008
baseline
▲ 0.50% · 4.625%
HK$4,252
+HK$244/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,016/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,196
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,308
−HK$114/mo
Today · 4.125%
HK$4,422
baseline
▲ 0.50% · 4.625%
HK$4,656
+HK$234/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,844/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,526
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,667
−HK$143/mo
Today · 4.125%
HK$4,810
baseline
▲ 0.50% · 4.625%
HK$5,102
+HK$292/mo
Deposit HK$662K · loan HK$992K · min. income ≈ HK$9,620/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,170
−HK$137/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,587
+HK$280/mo
Deposit HK$662K · loan HK$992K · min. income ≈ HK$10,614/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,280
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,444
−HK$167/mo
Today · 4.125%
HK$5,611
baseline
▲ 0.50% · 4.625%
HK$5,953
+HK$342/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$11,222/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,874
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,032
−HK$159/mo
Today · 4.125%
HK$6,191
baseline
▲ 0.50% · 4.625%
HK$6,518
+HK$327/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$12,382/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,789
−HK$425/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$214/mo
Today · 4.125%
HK$7,214
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$439/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,428/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,552
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$205/mo
Today · 4.125%
HK$7,960
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$420/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,920/mo (50% DSR)
Upfront cash ≈ HK$165K (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).