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$3,690
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,804
−HK$117/mo
Today · 4.125%
HK$3,921
baseline
▲ 0.50% · 4.625%
HK$4,160
+HK$239/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$7,842/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,105
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,215
−HK$111/mo
Today · 4.125%
HK$4,326
baseline
▲ 0.50% · 4.625%
HK$4,555
+HK$229/mo
Deposit HK$809K · loan HK$809K · min. income ≈ HK$8,652/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,428
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,565
−HK$140/mo
Today · 4.125%
HK$4,705
baseline
▲ 0.50% · 4.625%
HK$4,992
+HK$287/mo
Deposit HK$647K · loan HK$971K · min. income ≈ HK$9,410/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,926
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,058
−HK$134/mo
Today · 4.125%
HK$5,192
baseline
▲ 0.50% · 4.625%
HK$5,465
+HK$273/mo
Deposit HK$647K · loan HK$971K · min. income ≈ HK$10,384/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,166
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$163/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,823
+HK$334/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$10,978/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,747
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$156/mo
Today · 4.125%
HK$6,057
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$319/mo
Deposit HK$485K · loan HK$1.13M · min. income ≈ HK$12,114/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,641
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$210/mo
Today · 4.125%
HK$7,058
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$429/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,116/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,388
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$201/mo
Today · 4.125%
HK$7,788
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$410/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,576/mo (50% DSR)
Upfront cash ≈ HK$162K (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).