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$3,692
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,807
−HK$117/mo
Today · 4.125%
HK$3,924
baseline
▲ 0.50% · 4.625%
HK$4,163
+HK$239/mo
Deposit HK$810K · loan HK$810K · min. income ≈ HK$7,848/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,108
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,218
−HK$112/mo
Today · 4.125%
HK$4,330
baseline
▲ 0.50% · 4.625%
HK$4,558
+HK$228/mo
Deposit HK$810K · loan HK$810K · min. income ≈ HK$8,660/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,431
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,569
−HK$140/mo
Today · 4.125%
HK$4,709
baseline
▲ 0.50% · 4.625%
HK$4,995
+HK$286/mo
Deposit HK$648K · loan HK$972K · min. income ≈ HK$9,418/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,929
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$134/mo
Today · 4.125%
HK$5,196
baseline
▲ 0.50% · 4.625%
HK$5,470
+HK$274/mo
Deposit HK$648K · loan HK$972K · min. income ≈ HK$10,392/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,169
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,330
−HK$164/mo
Today · 4.125%
HK$5,494
baseline
▲ 0.50% · 4.625%
HK$5,828
+HK$334/mo
Deposit HK$486K · loan HK$1.13M · min. income ≈ HK$10,988/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,751
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,905
−HK$157/mo
Today · 4.125%
HK$6,062
baseline
▲ 0.50% · 4.625%
HK$6,381
+HK$319/mo
Deposit HK$486K · loan HK$1.13M · min. income ≈ HK$12,124/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,646
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$210/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$430/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,126/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,394
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$202/mo
Today · 4.125%
HK$7,794
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$410/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,588/mo (50% DSR)
Upfront cash ≈ HK$162K (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).