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$3,546
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,656
−HK$112/mo
Today · 4.125%
HK$3,768
baseline
▲ 0.50% · 4.625%
HK$3,997
+HK$229/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$7,536/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,945
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,050
−HK$108/mo
Today · 4.125%
HK$4,158
baseline
▲ 0.50% · 4.625%
HK$4,377
+HK$219/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$8,316/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,255
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,387
−HK$135/mo
Today · 4.125%
HK$4,522
baseline
▲ 0.50% · 4.625%
HK$4,797
+HK$275/mo
Deposit HK$622K · loan HK$933K · min. income ≈ HK$9,044/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,734
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,861
−HK$128/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,252
+HK$263/mo
Deposit HK$622K · loan HK$933K · min. income ≈ HK$9,978/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,964
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$156/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,596
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,550/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,523
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$150/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,128
+HK$307/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,642/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,382
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,581
−HK$202/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,195
+HK$412/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,566/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$7,100
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,291
−HK$193/mo
Today · 4.125%
HK$7,484
baseline
▲ 0.50% · 4.625%
HK$7,879
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,968/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).