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$3,677
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,792
−HK$116/mo
Today · 4.125%
HK$3,908
baseline
▲ 0.50% · 4.625%
HK$4,146
+HK$238/mo
Deposit HK$806K · loan HK$806K · min. income ≈ HK$7,816/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,091
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,201
−HK$111/mo
Today · 4.125%
HK$4,312
baseline
▲ 0.50% · 4.625%
HK$4,539
+HK$227/mo
Deposit HK$806K · loan HK$806K · min. income ≈ HK$8,624/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,413
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,550
−HK$139/mo
Today · 4.125%
HK$4,689
baseline
▲ 0.50% · 4.625%
HK$4,975
+HK$286/mo
Deposit HK$645K · loan HK$968K · min. income ≈ HK$9,378/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,909
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,041
−HK$133/mo
Today · 4.125%
HK$5,174
baseline
▲ 0.50% · 4.625%
HK$5,447
+HK$273/mo
Deposit HK$645K · loan HK$968K · min. income ≈ HK$10,348/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,148
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,308
−HK$163/mo
Today · 4.125%
HK$5,471
baseline
▲ 0.50% · 4.625%
HK$5,804
+HK$333/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,942/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,727
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,881
−HK$156/mo
Today · 4.125%
HK$6,037
baseline
▲ 0.50% · 4.625%
HK$6,355
+HK$318/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,074/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,619
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,825
−HK$209/mo
Today · 4.125%
HK$7,034
baseline
▲ 0.50% · 4.625%
HK$7,462
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,068/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,363
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$200/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$409/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,522/mo (50% DSR)
Upfront cash ≈ HK$161K (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).