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$3,712
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,827
−HK$117/mo
Today · 4.125%
HK$3,944
baseline
▲ 0.50% · 4.625%
HK$4,184
+HK$240/mo
Deposit HK$814K · loan HK$814K · min. income ≈ HK$7,888/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,129
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,240
−HK$112/mo
Today · 4.125%
HK$4,352
baseline
▲ 0.50% · 4.625%
HK$4,582
+HK$230/mo
Deposit HK$814K · loan HK$814K · min. income ≈ HK$8,704/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,454
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,592
−HK$141/mo
Today · 4.125%
HK$4,733
baseline
▲ 0.50% · 4.625%
HK$5,021
+HK$288/mo
Deposit HK$651K · loan HK$977K · min. income ≈ HK$9,466/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,955
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,088
−HK$135/mo
Today · 4.125%
HK$5,223
baseline
▲ 0.50% · 4.625%
HK$5,498
+HK$275/mo
Deposit HK$651K · loan HK$977K · min. income ≈ HK$10,446/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,196
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,358
−HK$164/mo
Today · 4.125%
HK$5,522
baseline
▲ 0.50% · 4.625%
HK$5,858
+HK$336/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$11,044/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,781
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,936
−HK$157/mo
Today · 4.125%
HK$6,093
baseline
▲ 0.50% · 4.625%
HK$6,414
+HK$321/mo
Deposit HK$488K · loan HK$1.14M · min. income ≈ HK$12,186/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,681
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$211/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$432/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$14,200/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$7,432
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$202/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$413/mo
Deposit HK$163K · loan HK$1.46M · min. income ≈ HK$15,668/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).