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$3,748
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,865
−HK$118/mo
Today · 4.125%
HK$3,983
baseline
▲ 0.50% · 4.625%
HK$4,225
+HK$242/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$7,966/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,170
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,281
−HK$114/mo
Today · 4.125%
HK$4,395
baseline
▲ 0.50% · 4.625%
HK$4,626
+HK$231/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$8,790/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,498
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,637
−HK$143/mo
Today · 4.125%
HK$4,780
baseline
▲ 0.50% · 4.625%
HK$5,070
+HK$290/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$9,560/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,003
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,138
−HK$136/mo
Today · 4.125%
HK$5,274
baseline
▲ 0.50% · 4.625%
HK$5,552
+HK$278/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$10,548/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,247
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,410
−HK$166/mo
Today · 4.125%
HK$5,576
baseline
▲ 0.50% · 4.625%
HK$5,915
+HK$339/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,152/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,837
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,994
−HK$159/mo
Today · 4.125%
HK$6,153
baseline
▲ 0.50% · 4.625%
HK$6,477
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,306/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,746
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$213/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,606
+HK$437/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,338/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,505
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,706
−HK$205/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,822/mo (50% DSR)
Upfront cash ≈ HK$164K (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).