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$3,720
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,836
−HK$118/mo
Today · 4.125%
HK$3,954
baseline
▲ 0.50% · 4.625%
HK$4,194
+HK$240/mo
Deposit HK$816K · loan HK$816K · min. income ≈ HK$7,908/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,139
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,250
−HK$113/mo
Today · 4.125%
HK$4,363
baseline
▲ 0.50% · 4.625%
HK$4,592
+HK$229/mo
Deposit HK$816K · loan HK$816K · min. income ≈ HK$8,726/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,464
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,603
−HK$141/mo
Today · 4.125%
HK$4,744
baseline
▲ 0.50% · 4.625%
HK$5,033
+HK$289/mo
Deposit HK$653K · loan HK$979K · min. income ≈ HK$9,488/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,967
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,100
−HK$135/mo
Today · 4.125%
HK$5,235
baseline
▲ 0.50% · 4.625%
HK$5,511
+HK$276/mo
Deposit HK$653K · loan HK$979K · min. income ≈ HK$10,470/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,209
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,371
−HK$164/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,872
+HK$337/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,070/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,794
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,950
−HK$158/mo
Today · 4.125%
HK$6,108
baseline
▲ 0.50% · 4.625%
HK$6,429
+HK$321/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,216/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,697
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$212/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,550
+HK$433/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,234/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,450
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$203/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,266
+HK$413/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,706/mo (50% DSR)
Upfront cash ≈ HK$163K (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).