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$3,629
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,742
−HK$114/mo
Today · 4.125%
HK$3,856
baseline
▲ 0.50% · 4.625%
HK$4,091
+HK$235/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$7,712/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,037
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,145
−HK$110/mo
Today · 4.125%
HK$4,255
baseline
▲ 0.50% · 4.625%
HK$4,480
+HK$225/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$8,510/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,355
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,490
−HK$138/mo
Today · 4.125%
HK$4,628
baseline
▲ 0.50% · 4.625%
HK$4,909
+HK$281/mo
Deposit HK$637K · loan HK$955K · min. income ≈ HK$9,256/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,845
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,975
−HK$131/mo
Today · 4.125%
HK$5,106
baseline
▲ 0.50% · 4.625%
HK$5,375
+HK$269/mo
Deposit HK$637K · loan HK$955K · min. income ≈ HK$10,212/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,080
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$160/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,728
+HK$329/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,798/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,652
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,804
−HK$153/mo
Today · 4.125%
HK$5,957
baseline
▲ 0.50% · 4.625%
HK$6,271
+HK$314/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,914/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,532
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$207/mo
Today · 4.125%
HK$6,942
baseline
▲ 0.50% · 4.625%
HK$7,364
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,884/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,267
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$197/mo
Today · 4.125%
HK$7,659
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,318/mo (50% DSR)
Upfront cash ≈ HK$159K (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).