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$3,615
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,728
−HK$114/mo
Today · 4.125%
HK$3,842
baseline
▲ 0.50% · 4.625%
HK$4,076
+HK$234/mo
Deposit HK$793K · loan HK$793K · min. income ≈ HK$7,684/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,022
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,130
−HK$109/mo
Today · 4.125%
HK$4,239
baseline
▲ 0.50% · 4.625%
HK$4,463
+HK$224/mo
Deposit HK$793K · loan HK$793K · min. income ≈ HK$8,478/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,338
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,473
−HK$137/mo
Today · 4.125%
HK$4,610
baseline
▲ 0.50% · 4.625%
HK$4,891
+HK$281/mo
Deposit HK$634K · loan HK$951K · min. income ≈ HK$9,220/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,826
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,956
−HK$131/mo
Today · 4.125%
HK$5,087
baseline
▲ 0.50% · 4.625%
HK$5,355
+HK$268/mo
Deposit HK$634K · loan HK$951K · min. income ≈ HK$10,174/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,061
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$160/mo
Today · 4.125%
HK$5,379
baseline
▲ 0.50% · 4.625%
HK$5,706
+HK$327/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,758/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,631
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,782
−HK$153/mo
Today · 4.125%
HK$5,935
baseline
▲ 0.50% · 4.625%
HK$6,248
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,870/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,508
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$206/mo
Today · 4.125%
HK$6,916
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$421/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,832/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,240
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$197/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,033
+HK$402/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,262/mo (50% DSR)
Upfront cash ≈ HK$159K (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).