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$3,608
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,720
−HK$114/mo
Today · 4.125%
HK$3,834
baseline
▲ 0.50% · 4.625%
HK$4,067
+HK$233/mo
Deposit HK$791K · loan HK$791K · min. income ≈ HK$7,668/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,013
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,121
−HK$109/mo
Today · 4.125%
HK$4,230
baseline
▲ 0.50% · 4.625%
HK$4,453
+HK$223/mo
Deposit HK$791K · loan HK$791K · min. income ≈ HK$8,460/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,329
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,464
−HK$137/mo
Today · 4.125%
HK$4,601
baseline
▲ 0.50% · 4.625%
HK$4,880
+HK$279/mo
Deposit HK$633K · loan HK$949K · min. income ≈ HK$9,202/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,816
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,945
−HK$131/mo
Today · 4.125%
HK$5,076
baseline
▲ 0.50% · 4.625%
HK$5,344
+HK$268/mo
Deposit HK$633K · loan HK$949K · min. income ≈ HK$10,152/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,051
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,208
−HK$159/mo
Today · 4.125%
HK$5,367
baseline
▲ 0.50% · 4.625%
HK$5,694
+HK$327/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$10,734/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,619
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,769
−HK$153/mo
Today · 4.125%
HK$5,922
baseline
▲ 0.50% · 4.625%
HK$6,234
+HK$312/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$11,844/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,494
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$205/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$420/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,802/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,224
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$196/mo
Today · 4.125%
HK$7,614
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$402/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,228/mo (50% DSR)
Upfront cash ≈ HK$158K (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).