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$3,763
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,880
−HK$119/mo
Today · 4.125%
HK$3,999
baseline
▲ 0.50% · 4.625%
HK$4,242
+HK$243/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$7,998/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,186
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,298
−HK$114/mo
Today · 4.125%
HK$4,412
baseline
▲ 0.50% · 4.625%
HK$4,645
+HK$233/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$8,824/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,515
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,656
−HK$142/mo
Today · 4.125%
HK$4,798
baseline
▲ 0.50% · 4.625%
HK$5,090
+HK$292/mo
Deposit HK$660K · loan HK$990K · min. income ≈ HK$9,596/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,023
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,158
−HK$137/mo
Today · 4.125%
HK$5,295
baseline
▲ 0.50% · 4.625%
HK$5,574
+HK$279/mo
Deposit HK$660K · loan HK$990K · min. income ≈ HK$10,590/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,268
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,432
−HK$166/mo
Today · 4.125%
HK$5,598
baseline
▲ 0.50% · 4.625%
HK$5,939
+HK$341/mo
Deposit HK$495K · loan HK$1.16M · min. income ≈ HK$11,196/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,860
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,018
−HK$159/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,503
+HK$326/mo
Deposit HK$495K · loan HK$1.16M · min. income ≈ HK$12,354/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,773
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,984
−HK$214/mo
Today · 4.125%
HK$7,198
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$438/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,396/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$7,535
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,737
−HK$205/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,361
+HK$419/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,884/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).