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$3,741
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,857
−HK$119/mo
Today · 4.125%
HK$3,976
baseline
▲ 0.50% · 4.625%
HK$4,218
+HK$242/mo
Deposit HK$820K · loan HK$820K · min. income ≈ HK$7,952/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,162
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,274
−HK$113/mo
Today · 4.125%
HK$4,387
baseline
▲ 0.50% · 4.625%
HK$4,618
+HK$231/mo
Deposit HK$820K · loan HK$820K · min. income ≈ HK$8,774/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,489
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,629
−HK$142/mo
Today · 4.125%
HK$4,771
baseline
▲ 0.50% · 4.625%
HK$5,061
+HK$290/mo
Deposit HK$656K · loan HK$984K · min. income ≈ HK$9,542/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,994
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,128
−HK$136/mo
Today · 4.125%
HK$5,264
baseline
▲ 0.50% · 4.625%
HK$5,542
+HK$278/mo
Deposit HK$656K · loan HK$984K · min. income ≈ HK$10,528/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,237
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,400
−HK$166/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,905
+HK$339/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$11,132/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,827
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$158/mo
Today · 4.125%
HK$6,141
baseline
▲ 0.50% · 4.625%
HK$6,465
+HK$324/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$12,282/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,734
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$213/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,312/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$7,491
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$204/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$416/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,792/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).