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$3,637
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,750
−HK$115/mo
Today · 4.125%
HK$3,865
baseline
▲ 0.50% · 4.625%
HK$4,100
+HK$235/mo
Deposit HK$797K · loan HK$797K · min. income ≈ HK$7,730/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,046
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,154
−HK$110/mo
Today · 4.125%
HK$4,264
baseline
▲ 0.50% · 4.625%
HK$4,489
+HK$225/mo
Deposit HK$797K · loan HK$797K · min. income ≈ HK$8,528/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,364
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,500
−HK$138/mo
Today · 4.125%
HK$4,638
baseline
▲ 0.50% · 4.625%
HK$4,920
+HK$282/mo
Deposit HK$638K · loan HK$957K · min. income ≈ HK$9,276/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,855
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,985
−HK$132/mo
Today · 4.125%
HK$5,117
baseline
▲ 0.50% · 4.625%
HK$5,387
+HK$270/mo
Deposit HK$638K · loan HK$957K · min. income ≈ HK$10,234/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,091
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,250
−HK$161/mo
Today · 4.125%
HK$5,411
baseline
▲ 0.50% · 4.625%
HK$5,740
+HK$329/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$10,822/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,664
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,816
−HK$154/mo
Today · 4.125%
HK$5,970
baseline
▲ 0.50% · 4.625%
HK$6,285
+HK$315/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$11,940/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,546
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$206/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,380
+HK$424/mo
Deposit HK$159K · loan HK$1.44M · min. income ≈ HK$13,912/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,282
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,478
−HK$198/mo
Today · 4.125%
HK$7,676
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$404/mo
Deposit HK$159K · loan HK$1.44M · min. income ≈ HK$15,352/mo (50% DSR)
Upfront cash ≈ HK$160K (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).