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$3,547
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,657
−HK$112/mo
Today · 4.125%
HK$3,769
baseline
▲ 0.50% · 4.625%
HK$3,999
+HK$230/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$7,538/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,946
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,052
−HK$107/mo
Today · 4.125%
HK$4,159
baseline
▲ 0.50% · 4.625%
HK$4,378
+HK$219/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$8,318/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,256
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,389
−HK$134/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,799
+HK$276/mo
Deposit HK$622K · loan HK$933K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,735
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,862
−HK$129/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,254
+HK$263/mo
Deposit HK$622K · loan HK$933K · min. income ≈ HK$9,982/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,966
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,120
−HK$157/mo
Today · 4.125%
HK$5,277
baseline
▲ 0.50% · 4.625%
HK$5,598
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,554/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,524
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,673
−HK$150/mo
Today · 4.125%
HK$5,823
baseline
▲ 0.50% · 4.625%
HK$6,130
+HK$307/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,646/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,385
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,583
−HK$202/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,198
+HK$413/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,570/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$7,103
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$194/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$394/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,974/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).