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$3,770
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,888
−HK$119/mo
Today · 4.125%
HK$4,007
baseline
▲ 0.50% · 4.625%
HK$4,251
+HK$244/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,014/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,194
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,307
−HK$114/mo
Today · 4.125%
HK$4,421
baseline
▲ 0.50% · 4.625%
HK$4,654
+HK$233/mo
Deposit HK$827K · loan HK$827K · min. income ≈ HK$8,842/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,524
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,665
−HK$143/mo
Today · 4.125%
HK$4,808
baseline
▲ 0.50% · 4.625%
HK$5,101
+HK$293/mo
Deposit HK$661K · loan HK$992K · min. income ≈ HK$9,616/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,033
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,168
−HK$137/mo
Today · 4.125%
HK$5,305
baseline
▲ 0.50% · 4.625%
HK$5,585
+HK$280/mo
Deposit HK$661K · loan HK$992K · min. income ≈ HK$10,610/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,278
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,443
−HK$166/mo
Today · 4.125%
HK$5,609
baseline
▲ 0.50% · 4.625%
HK$5,951
+HK$342/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$11,218/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,872
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,030
−HK$159/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,516
+HK$327/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$12,378/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,787
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$214/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$439/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,424/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,550
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$206/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$419/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,916/mo (50% DSR)
Upfront cash ≈ HK$165K (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).