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$3,735
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,851
−HK$118/mo
Today · 4.125%
HK$3,969
baseline
▲ 0.50% · 4.625%
HK$4,211
+HK$242/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$7,938/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,155
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,267
−HK$113/mo
Today · 4.125%
HK$4,380
baseline
▲ 0.50% · 4.625%
HK$4,610
+HK$230/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$8,760/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,482
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,621
−HK$142/mo
Today · 4.125%
HK$4,763
baseline
▲ 0.50% · 4.625%
HK$5,053
+HK$290/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$9,526/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,986
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,120
−HK$136/mo
Today · 4.125%
HK$5,256
baseline
▲ 0.50% · 4.625%
HK$5,533
+HK$277/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$10,512/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,229
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$165/mo
Today · 4.125%
HK$5,557
baseline
▲ 0.50% · 4.625%
HK$5,895
+HK$338/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,114/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,817
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$158/mo
Today · 4.125%
HK$6,131
baseline
▲ 0.50% · 4.625%
HK$6,455
+HK$324/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,262/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,723
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,932
−HK$213/mo
Today · 4.125%
HK$7,145
baseline
▲ 0.50% · 4.625%
HK$7,579
+HK$434/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,290/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$7,479
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$203/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,299
+HK$416/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,766/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).