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$3,753
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,870
−HK$118/mo
Today · 4.125%
HK$3,988
baseline
▲ 0.50% · 4.625%
HK$4,231
+HK$243/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$7,976/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,175
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,287
−HK$114/mo
Today · 4.125%
HK$4,401
baseline
▲ 0.50% · 4.625%
HK$4,633
+HK$232/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$8,802/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,503
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,644
−HK$142/mo
Today · 4.125%
HK$4,786
baseline
▲ 0.50% · 4.625%
HK$5,077
+HK$291/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$9,572/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,010
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,144
−HK$137/mo
Today · 4.125%
HK$5,281
baseline
▲ 0.50% · 4.625%
HK$5,559
+HK$278/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$10,562/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,254
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,417
−HK$167/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,923
+HK$339/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$11,168/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,845
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$159/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,486
+HK$325/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$12,322/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,755
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,965
−HK$214/mo
Today · 4.125%
HK$7,179
baseline
▲ 0.50% · 4.625%
HK$7,616
+HK$437/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,358/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$7,515
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,717
−HK$204/mo
Today · 4.125%
HK$7,921
baseline
▲ 0.50% · 4.625%
HK$8,339
+HK$418/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,842/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).