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$3,593
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,705
−HK$114/mo
Today · 4.125%
HK$3,819
baseline
▲ 0.50% · 4.625%
HK$4,051
+HK$232/mo
Deposit HK$788K · loan HK$788K · min. income ≈ HK$7,638/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,997
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,105
−HK$108/mo
Today · 4.125%
HK$4,213
baseline
▲ 0.50% · 4.625%
HK$4,436
+HK$223/mo
Deposit HK$788K · loan HK$788K · min. income ≈ HK$8,426/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,312
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,446
−HK$136/mo
Today · 4.125%
HK$4,582
baseline
▲ 0.50% · 4.625%
HK$4,861
+HK$279/mo
Deposit HK$630K · loan HK$945K · min. income ≈ HK$9,164/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,797
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,926
−HK$130/mo
Today · 4.125%
HK$5,056
baseline
▲ 0.50% · 4.625%
HK$5,323
+HK$267/mo
Deposit HK$630K · loan HK$945K · min. income ≈ HK$10,112/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,031
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,187
−HK$159/mo
Today · 4.125%
HK$5,346
baseline
▲ 0.50% · 4.625%
HK$5,671
+HK$325/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$10,692/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,596
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,747
−HK$152/mo
Today · 4.125%
HK$5,899
baseline
▲ 0.50% · 4.625%
HK$6,210
+HK$311/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$11,798/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,468
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,669
−HK$205/mo
Today · 4.125%
HK$6,874
baseline
▲ 0.50% · 4.625%
HK$7,292
+HK$418/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,748/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,195
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$196/mo
Today · 4.125%
HK$7,584
baseline
▲ 0.50% · 4.625%
HK$7,984
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,168/mo (50% DSR)
Upfront cash ≈ HK$158K (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).