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$3,565
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,676
−HK$112/mo
Today · 4.125%
HK$3,788
baseline
▲ 0.50% · 4.625%
HK$4,019
+HK$231/mo
Deposit HK$782K · loan HK$782K · min. income ≈ HK$7,576/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,966
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,072
−HK$108/mo
Today · 4.125%
HK$4,180
baseline
▲ 0.50% · 4.625%
HK$4,400
+HK$220/mo
Deposit HK$782K · loan HK$782K · min. income ≈ HK$8,360/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,278
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,411
−HK$135/mo
Today · 4.125%
HK$4,546
baseline
▲ 0.50% · 4.625%
HK$4,823
+HK$277/mo
Deposit HK$625K · loan HK$938K · min. income ≈ HK$9,092/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$4,759
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,887
−HK$129/mo
Today · 4.125%
HK$5,016
baseline
▲ 0.50% · 4.625%
HK$5,281
+HK$265/mo
Deposit HK$625K · loan HK$938K · min. income ≈ HK$10,032/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$4,991
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,146
−HK$158/mo
Today · 4.125%
HK$5,304
baseline
▲ 0.50% · 4.625%
HK$5,626
+HK$322/mo
Deposit HK$469K · loan HK$1.09M · min. income ≈ HK$10,608/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$5,552
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,701
−HK$151/mo
Today · 4.125%
HK$5,852
baseline
▲ 0.50% · 4.625%
HK$6,161
+HK$309/mo
Deposit HK$469K · loan HK$1.09M · min. income ≈ HK$11,704/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$6,417
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$203/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,234
+HK$415/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$13,638/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$7,138
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,330
−HK$194/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$397/mo
Deposit HK$156K · loan HK$1.41M · min. income ≈ HK$15,048/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).