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$3,573
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,684
−HK$113/mo
Today · 4.125%
HK$3,797
baseline
▲ 0.50% · 4.625%
HK$4,028
+HK$231/mo
Deposit HK$784K · loan HK$784K · min. income ≈ HK$7,594/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,975
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,082
−HK$108/mo
Today · 4.125%
HK$4,190
baseline
▲ 0.50% · 4.625%
HK$4,411
+HK$221/mo
Deposit HK$784K · loan HK$784K · min. income ≈ HK$8,380/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,288
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,421
−HK$136/mo
Today · 4.125%
HK$4,557
baseline
▲ 0.50% · 4.625%
HK$4,834
+HK$277/mo
Deposit HK$627K · loan HK$940K · min. income ≈ HK$9,114/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,770
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,898
−HK$130/mo
Today · 4.125%
HK$5,028
baseline
▲ 0.50% · 4.625%
HK$5,293
+HK$265/mo
Deposit HK$627K · loan HK$940K · min. income ≈ HK$10,056/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,002
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,158
−HK$158/mo
Today · 4.125%
HK$5,316
baseline
▲ 0.50% · 4.625%
HK$5,640
+HK$324/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$10,632/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,565
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$152/mo
Today · 4.125%
HK$5,866
baseline
▲ 0.50% · 4.625%
HK$6,175
+HK$309/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$11,732/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,432
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,632
−HK$203/mo
Today · 4.125%
HK$6,835
baseline
▲ 0.50% · 4.625%
HK$7,251
+HK$416/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,670/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,155
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,347
−HK$195/mo
Today · 4.125%
HK$7,542
baseline
▲ 0.50% · 4.625%
HK$7,939
+HK$397/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,084/mo (50% DSR)
Upfront cash ≈ HK$157K (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).