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$3,773
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,890
−HK$119/mo
Today · 4.125%
HK$4,009
baseline
▲ 0.50% · 4.625%
HK$4,253
+HK$244/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,018/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,197
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,309
−HK$115/mo
Today · 4.125%
HK$4,424
baseline
▲ 0.50% · 4.625%
HK$4,657
+HK$233/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,848/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,527
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,668
−HK$143/mo
Today · 4.125%
HK$4,811
baseline
▲ 0.50% · 4.625%
HK$5,104
+HK$293/mo
Deposit HK$662K · loan HK$993K · min. income ≈ HK$9,622/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,036
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,171
−HK$137/mo
Today · 4.125%
HK$5,308
baseline
▲ 0.50% · 4.625%
HK$5,588
+HK$280/mo
Deposit HK$662K · loan HK$993K · min. income ≈ HK$10,616/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,282
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,446
−HK$167/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,954
+HK$341/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$11,226/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,876
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,033
−HK$160/mo
Today · 4.125%
HK$6,193
baseline
▲ 0.50% · 4.625%
HK$6,520
+HK$327/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$12,386/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,791
−HK$425/mo
▼ 0.25% · 3.875%
HK$7,002
−HK$214/mo
Today · 4.125%
HK$7,216
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$440/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,432/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,554
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,757
−HK$206/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$419/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,926/mo (50% DSR)
Upfront cash ≈ HK$166K (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).