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$3,752
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,868
−HK$119/mo
Today · 4.125%
HK$3,987
baseline
▲ 0.50% · 4.625%
HK$4,229
+HK$242/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$7,974/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,174
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,285
−HK$114/mo
Today · 4.125%
HK$4,399
baseline
▲ 0.50% · 4.625%
HK$4,631
+HK$232/mo
Deposit HK$823K · loan HK$823K · min. income ≈ HK$8,798/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,502
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,642
−HK$142/mo
Today · 4.125%
HK$4,784
baseline
▲ 0.50% · 4.625%
HK$5,075
+HK$291/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$9,568/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$5,008
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,143
−HK$136/mo
Today · 4.125%
HK$5,279
baseline
▲ 0.50% · 4.625%
HK$5,557
+HK$278/mo
Deposit HK$658K · loan HK$987K · min. income ≈ HK$10,558/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$5,252
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$165/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$340/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$11,162/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,843
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$159/mo
Today · 4.125%
HK$6,159
baseline
▲ 0.50% · 4.625%
HK$6,483
+HK$324/mo
Deposit HK$494K · loan HK$1.15M · min. income ≈ HK$12,318/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,753
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,963
−HK$213/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,613
+HK$437/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,352/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$7,512
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,714
−HK$204/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$418/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,836/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).