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$3,555
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,666
−HK$112/mo
Today · 4.125%
HK$3,778
baseline
▲ 0.50% · 4.625%
HK$4,008
+HK$230/mo
Deposit HK$780K · loan HK$780K · min. income ≈ HK$7,556/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,955
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,061
−HK$108/mo
Today · 4.125%
HK$4,169
baseline
▲ 0.50% · 4.625%
HK$4,388
+HK$219/mo
Deposit HK$780K · loan HK$780K · min. income ≈ HK$8,338/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,266
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,399
−HK$135/mo
Today · 4.125%
HK$4,534
baseline
▲ 0.50% · 4.625%
HK$4,809
+HK$275/mo
Deposit HK$624K · loan HK$935K · min. income ≈ HK$9,068/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,746
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,873
−HK$129/mo
Today · 4.125%
HK$5,002
baseline
▲ 0.50% · 4.625%
HK$5,266
+HK$264/mo
Deposit HK$624K · loan HK$935K · min. income ≈ HK$10,004/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,977
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,132
−HK$157/mo
Today · 4.125%
HK$5,289
baseline
▲ 0.50% · 4.625%
HK$5,611
+HK$322/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$10,578/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,537
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,686
−HK$150/mo
Today · 4.125%
HK$5,836
baseline
▲ 0.50% · 4.625%
HK$6,144
+HK$308/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$11,672/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,399
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,598
−HK$202/mo
Today · 4.125%
HK$6,800
baseline
▲ 0.50% · 4.625%
HK$7,214
+HK$414/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,600/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,119
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,310
−HK$194/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$15,008/mo (50% DSR)
Upfront cash ≈ HK$156K (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).