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$3,621
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,734
−HK$114/mo
Today · 4.125%
HK$3,848
baseline
▲ 0.50% · 4.625%
HK$4,082
+HK$234/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$7,696/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,029
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$109/mo
Today · 4.125%
HK$4,246
baseline
▲ 0.50% · 4.625%
HK$4,470
+HK$224/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$8,492/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,345
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,481
−HK$137/mo
Today · 4.125%
HK$4,618
baseline
▲ 0.50% · 4.625%
HK$4,899
+HK$281/mo
Deposit HK$635K · loan HK$953K · min. income ≈ HK$9,236/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,834
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,964
−HK$131/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,364
+HK$269/mo
Deposit HK$635K · loan HK$953K · min. income ≈ HK$10,190/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,070
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,227
−HK$161/mo
Today · 4.125%
HK$5,388
baseline
▲ 0.50% · 4.625%
HK$5,715
+HK$327/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$10,776/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,640
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,791
−HK$154/mo
Today · 4.125%
HK$5,945
baseline
▲ 0.50% · 4.625%
HK$6,258
+HK$313/mo
Deposit HK$476K · loan HK$1.11M · min. income ≈ HK$11,890/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,518
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$206/mo
Today · 4.125%
HK$6,927
baseline
▲ 0.50% · 4.625%
HK$7,348
+HK$421/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,854/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$7,251
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,446
−HK$197/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,046
+HK$403/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,286/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).