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$3,627
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,739
−HK$115/mo
Today · 4.125%
HK$3,854
baseline
▲ 0.50% · 4.625%
HK$4,088
+HK$234/mo
Deposit HK$795K · loan HK$795K · min. income ≈ HK$7,708/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,034
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,143
−HK$109/mo
Today · 4.125%
HK$4,252
baseline
▲ 0.50% · 4.625%
HK$4,477
+HK$225/mo
Deposit HK$795K · loan HK$795K · min. income ≈ HK$8,504/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,352
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,487
−HK$138/mo
Today · 4.125%
HK$4,625
baseline
▲ 0.50% · 4.625%
HK$4,906
+HK$281/mo
Deposit HK$636K · loan HK$954K · min. income ≈ HK$9,250/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,841
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,971
−HK$132/mo
Today · 4.125%
HK$5,103
baseline
▲ 0.50% · 4.625%
HK$5,372
+HK$269/mo
Deposit HK$636K · loan HK$954K · min. income ≈ HK$10,206/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,077
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,235
−HK$160/mo
Today · 4.125%
HK$5,395
baseline
▲ 0.50% · 4.625%
HK$5,724
+HK$329/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,790/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,648
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$153/mo
Today · 4.125%
HK$5,953
baseline
▲ 0.50% · 4.625%
HK$6,267
+HK$314/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,906/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,528
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$206/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,874/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$7,262
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,457
−HK$197/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,308/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).