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$3,562
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$113/mo
Today · 4.125%
HK$3,785
baseline
▲ 0.50% · 4.625%
HK$4,015
+HK$230/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$7,570/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,962
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,069
−HK$107/mo
Today · 4.125%
HK$4,176
baseline
▲ 0.50% · 4.625%
HK$4,396
+HK$220/mo
Deposit HK$781K · loan HK$781K · min. income ≈ HK$8,352/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,274
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,407
−HK$135/mo
Today · 4.125%
HK$4,542
baseline
▲ 0.50% · 4.625%
HK$4,818
+HK$276/mo
Deposit HK$625K · loan HK$937K · min. income ≈ HK$9,084/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,755
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,882
−HK$130/mo
Today · 4.125%
HK$5,012
baseline
▲ 0.50% · 4.625%
HK$5,276
+HK$264/mo
Deposit HK$625K · loan HK$937K · min. income ≈ HK$10,024/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,986
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,141
−HK$158/mo
Today · 4.125%
HK$5,299
baseline
▲ 0.50% · 4.625%
HK$5,621
+HK$322/mo
Deposit HK$469K · loan HK$1.09M · min. income ≈ HK$10,598/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,547
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,696
−HK$151/mo
Today · 4.125%
HK$5,847
baseline
▲ 0.50% · 4.625%
HK$6,155
+HK$308/mo
Deposit HK$469K · loan HK$1.09M · min. income ≈ HK$11,694/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,411
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$203/mo
Today · 4.125%
HK$6,813
baseline
▲ 0.50% · 4.625%
HK$7,228
+HK$415/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$13,626/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,132
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$194/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$397/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$15,034/mo (50% DSR)
Upfront cash ≈ HK$156K (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).