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$3,613
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,725
−HK$114/mo
Today · 4.125%
HK$3,839
baseline
▲ 0.50% · 4.625%
HK$4,073
+HK$234/mo
Deposit HK$792K · loan HK$792K · min. income ≈ HK$7,678/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,019
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,127
−HK$109/mo
Today · 4.125%
HK$4,236
baseline
▲ 0.50% · 4.625%
HK$4,460
+HK$224/mo
Deposit HK$792K · loan HK$792K · min. income ≈ HK$8,472/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,470
−HK$137/mo
Today · 4.125%
HK$4,607
baseline
▲ 0.50% · 4.625%
HK$4,888
+HK$281/mo
Deposit HK$634K · loan HK$951K · min. income ≈ HK$9,214/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,823
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,952
−HK$132/mo
Today · 4.125%
HK$5,084
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$268/mo
Deposit HK$634K · loan HK$951K · min. income ≈ HK$10,168/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,058
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,215
−HK$160/mo
Today · 4.125%
HK$5,375
baseline
▲ 0.50% · 4.625%
HK$5,702
+HK$327/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$10,750/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,627
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$153/mo
Today · 4.125%
HK$5,931
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$313/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$11,862/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,503
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$206/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$420/mo
Deposit HK$158K · loan HK$1.43M · min. income ≈ HK$13,822/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,235
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$196/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$402/mo
Deposit HK$158K · loan HK$1.43M · min. income ≈ HK$15,250/mo (50% DSR)
Upfront cash ≈ HK$159K (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).