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$3,781
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,899
−HK$119/mo
Today · 4.125%
HK$4,018
baseline
▲ 0.50% · 4.625%
HK$4,263
+HK$245/mo
Deposit HK$829K · loan HK$829K · min. income ≈ HK$8,036/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,207
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,320
−HK$114/mo
Today · 4.125%
HK$4,434
baseline
▲ 0.50% · 4.625%
HK$4,668
+HK$234/mo
Deposit HK$829K · loan HK$829K · min. income ≈ HK$8,868/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,538
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,679
−HK$143/mo
Today · 4.125%
HK$4,822
baseline
▲ 0.50% · 4.625%
HK$5,116
+HK$294/mo
Deposit HK$663K · loan HK$995K · min. income ≈ HK$9,644/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,048
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,183
−HK$138/mo
Today · 4.125%
HK$5,321
baseline
▲ 0.50% · 4.625%
HK$5,601
+HK$280/mo
Deposit HK$663K · loan HK$995K · min. income ≈ HK$10,642/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,294
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$167/mo
Today · 4.125%
HK$5,626
baseline
▲ 0.50% · 4.625%
HK$5,968
+HK$342/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$11,252/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,889
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,047
−HK$161/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$327/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$12,416/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,806
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,018
−HK$215/mo
Today · 4.125%
HK$7,233
baseline
▲ 0.50% · 4.625%
HK$7,673
+HK$440/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,466/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,572
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$206/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,402
+HK$421/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,962/mo (50% DSR)
Upfront cash ≈ HK$166K (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).