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$3,600
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,712
−HK$114/mo
Today · 4.125%
HK$3,826
baseline
▲ 0.50% · 4.625%
HK$4,059
+HK$233/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$7,652/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,005
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,113
−HK$109/mo
Today · 4.125%
HK$4,222
baseline
▲ 0.50% · 4.625%
HK$4,444
+HK$222/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$8,444/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,320
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,455
−HK$136/mo
Today · 4.125%
HK$4,591
baseline
▲ 0.50% · 4.625%
HK$4,870
+HK$279/mo
Deposit HK$632K · loan HK$947K · min. income ≈ HK$9,182/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,806
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,935
−HK$131/mo
Today · 4.125%
HK$5,066
baseline
▲ 0.50% · 4.625%
HK$5,333
+HK$267/mo
Deposit HK$632K · loan HK$947K · min. income ≈ HK$10,132/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,040
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,197
−HK$159/mo
Today · 4.125%
HK$5,356
baseline
▲ 0.50% · 4.625%
HK$5,682
+HK$326/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$10,712/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,607
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,758
−HK$152/mo
Today · 4.125%
HK$5,910
baseline
▲ 0.50% · 4.625%
HK$6,222
+HK$312/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$11,820/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,480
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,682
−HK$205/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,774/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,209
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$196/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$7,999
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,198/mo (50% DSR)
Upfront cash ≈ HK$158K (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).