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$3,730
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,846
−HK$118/mo
Today · 4.125%
HK$3,964
baseline
▲ 0.50% · 4.625%
HK$4,205
+HK$241/mo
Deposit HK$818K · loan HK$818K · min. income ≈ HK$7,928/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,150
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,261
−HK$113/mo
Today · 4.125%
HK$4,374
baseline
▲ 0.50% · 4.625%
HK$4,604
+HK$230/mo
Deposit HK$818K · loan HK$818K · min. income ≈ HK$8,748/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,476
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,615
−HK$142/mo
Today · 4.125%
HK$4,757
baseline
▲ 0.50% · 4.625%
HK$5,046
+HK$289/mo
Deposit HK$654K · loan HK$981K · min. income ≈ HK$9,514/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,980
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,113
−HK$136/mo
Today · 4.125%
HK$5,249
baseline
▲ 0.50% · 4.625%
HK$5,525
+HK$276/mo
Deposit HK$654K · loan HK$981K · min. income ≈ HK$10,498/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,222
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,385
−HK$165/mo
Today · 4.125%
HK$5,550
baseline
▲ 0.50% · 4.625%
HK$5,887
+HK$337/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,100/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,810
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$158/mo
Today · 4.125%
HK$6,123
baseline
▲ 0.50% · 4.625%
HK$6,446
+HK$323/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,246/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,714
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,923
−HK$212/mo
Today · 4.125%
HK$7,135
baseline
▲ 0.50% · 4.625%
HK$7,569
+HK$434/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,270/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$7,469
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,670
−HK$203/mo
Today · 4.125%
HK$7,873
baseline
▲ 0.50% · 4.625%
HK$8,288
+HK$415/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,746/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).