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$3,768
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,885
−HK$119/mo
Today · 4.125%
HK$4,004
baseline
▲ 0.50% · 4.625%
HK$4,248
+HK$244/mo
Deposit HK$826K · loan HK$826K · min. income ≈ HK$8,008/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,192
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,304
−HK$114/mo
Today · 4.125%
HK$4,418
baseline
▲ 0.50% · 4.625%
HK$4,651
+HK$233/mo
Deposit HK$826K · loan HK$826K · min. income ≈ HK$8,836/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,521
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,662
−HK$143/mo
Today · 4.125%
HK$4,805
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$292/mo
Deposit HK$661K · loan HK$991K · min. income ≈ HK$9,610/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$5,030
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,165
−HK$137/mo
Today · 4.125%
HK$5,302
baseline
▲ 0.50% · 4.625%
HK$5,581
+HK$279/mo
Deposit HK$661K · loan HK$991K · min. income ≈ HK$10,604/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$5,275
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,439
−HK$167/mo
Today · 4.125%
HK$5,606
baseline
▲ 0.50% · 4.625%
HK$5,947
+HK$341/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$11,212/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$5,868
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,026
−HK$159/mo
Today · 4.125%
HK$6,185
baseline
▲ 0.50% · 4.625%
HK$6,511
+HK$326/mo
Deposit HK$496K · loan HK$1.16M · min. income ≈ HK$12,370/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$6,782
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$214/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,646
+HK$439/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,414/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$7,545
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$206/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$419/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,906/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).