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$3,606
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,718
−HK$114/mo
Today · 4.125%
HK$3,832
baseline
▲ 0.50% · 4.625%
HK$4,066
+HK$234/mo
Deposit HK$791K · loan HK$791K · min. income ≈ HK$7,664/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$4,012
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,119
−HK$110/mo
Today · 4.125%
HK$4,229
baseline
▲ 0.50% · 4.625%
HK$4,451
+HK$222/mo
Deposit HK$791K · loan HK$791K · min. income ≈ HK$8,458/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$4,327
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,462
−HK$137/mo
Today · 4.125%
HK$4,599
baseline
▲ 0.50% · 4.625%
HK$4,879
+HK$280/mo
Deposit HK$633K · loan HK$949K · min. income ≈ HK$9,198/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$4,814
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,943
−HK$131/mo
Today · 4.125%
HK$5,074
baseline
▲ 0.50% · 4.625%
HK$5,342
+HK$268/mo
Deposit HK$633K · loan HK$949K · min. income ≈ HK$10,148/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$5,049
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,206
−HK$159/mo
Today · 4.125%
HK$5,365
baseline
▲ 0.50% · 4.625%
HK$5,692
+HK$327/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$10,730/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$5,617
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,767
−HK$153/mo
Today · 4.125%
HK$5,920
baseline
▲ 0.50% · 4.625%
HK$6,232
+HK$312/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$11,840/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$6,491
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$205/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$420/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,796/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$7,221
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$196/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$402/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,222/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).