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$3,737
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,853
−HK$118/mo
Today · 4.125%
HK$3,971
baseline
▲ 0.50% · 4.625%
HK$4,213
+HK$242/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$7,942/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,157
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,268
−HK$114/mo
Today · 4.125%
HK$4,382
baseline
▲ 0.50% · 4.625%
HK$4,612
+HK$230/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$8,764/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,484
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,623
−HK$142/mo
Today · 4.125%
HK$4,765
baseline
▲ 0.50% · 4.625%
HK$5,055
+HK$290/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$9,530/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,988
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,122
−HK$136/mo
Today · 4.125%
HK$5,258
baseline
▲ 0.50% · 4.625%
HK$5,535
+HK$277/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$10,516/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,231
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,394
−HK$165/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,898
+HK$339/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$11,118/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,820
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$158/mo
Today · 4.125%
HK$6,134
baseline
▲ 0.50% · 4.625%
HK$6,457
+HK$323/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$12,268/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,726
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$213/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,583
+HK$435/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,296/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,482
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$204/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$415/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,774/mo (50% DSR)
Upfront cash ≈ HK$164K (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).