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$3,764
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,882
−HK$119/mo
Today · 4.125%
HK$4,001
baseline
▲ 0.50% · 4.625%
HK$4,244
+HK$243/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$8,002/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$4,188
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,300
−HK$114/mo
Today · 4.125%
HK$4,414
baseline
▲ 0.50% · 4.625%
HK$4,647
+HK$233/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$8,828/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$4,517
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,658
−HK$143/mo
Today · 4.125%
HK$4,801
baseline
▲ 0.50% · 4.625%
HK$5,093
+HK$292/mo
Deposit HK$660K · loan HK$991K · min. income ≈ HK$9,602/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$5,026
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,160
−HK$137/mo
Today · 4.125%
HK$5,297
baseline
▲ 0.50% · 4.625%
HK$5,576
+HK$279/mo
Deposit HK$660K · loan HK$991K · min. income ≈ HK$10,594/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$5,270
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$167/mo
Today · 4.125%
HK$5,601
baseline
▲ 0.50% · 4.625%
HK$5,942
+HK$341/mo
Deposit HK$495K · loan HK$1.16M · min. income ≈ HK$11,202/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$5,863
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,020
−HK$160/mo
Today · 4.125%
HK$6,180
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$326/mo
Deposit HK$495K · loan HK$1.16M · min. income ≈ HK$12,360/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$6,776
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,987
−HK$214/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$438/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$14,402/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$7,538
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,740
−HK$206/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,364
+HK$418/mo
Deposit HK$165K · loan HK$1.49M · min. income ≈ HK$15,892/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).