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$3,747
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,863
−HK$118/mo
Today · 4.125%
HK$3,981
baseline
▲ 0.50% · 4.625%
HK$4,224
+HK$243/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$7,962/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,168
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,280
−HK$113/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,625
+HK$232/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,496
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,636
−HK$142/mo
Today · 4.125%
HK$4,778
baseline
▲ 0.50% · 4.625%
HK$5,069
+HK$291/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$9,556/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,002
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,136
−HK$136/mo
Today · 4.125%
HK$5,272
baseline
▲ 0.50% · 4.625%
HK$5,550
+HK$278/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$10,544/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,245
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,408
−HK$166/mo
Today · 4.125%
HK$5,574
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$339/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,148/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,835
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,992
−HK$158/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,475
+HK$325/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,300/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,744
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,954
−HK$213/mo
Today · 4.125%
HK$7,167
baseline
▲ 0.50% · 4.625%
HK$7,603
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,334/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,502
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,704
−HK$204/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,325
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,816/mo (50% DSR)
Upfront cash ≈ HK$164K (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).