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$3,561
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$112/mo
Today · 4.125%
HK$3,784
baseline
▲ 0.50% · 4.625%
HK$4,015
+HK$231/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$7,568/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,962
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,068
−HK$108/mo
Today · 4.125%
HK$4,176
baseline
▲ 0.50% · 4.625%
HK$4,396
+HK$220/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$8,352/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,273
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$135/mo
Today · 4.125%
HK$4,541
baseline
▲ 0.50% · 4.625%
HK$4,818
+HK$277/mo
Deposit HK$625K · loan HK$937K · min. income ≈ HK$9,082/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,754
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,882
−HK$129/mo
Today · 4.125%
HK$5,011
baseline
▲ 0.50% · 4.625%
HK$5,275
+HK$264/mo
Deposit HK$625K · loan HK$937K · min. income ≈ HK$10,022/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,986
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,141
−HK$157/mo
Today · 4.125%
HK$5,298
baseline
▲ 0.50% · 4.625%
HK$5,621
+HK$323/mo
Deposit HK$469K · loan HK$1.09M · min. income ≈ HK$10,596/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,546
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$151/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,154
+HK$308/mo
Deposit HK$469K · loan HK$1.09M · min. income ≈ HK$11,692/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,410
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$203/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$414/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$13,624/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$7,131
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,322
−HK$194/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$396/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$15,032/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).