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$3,569
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,680
−HK$113/mo
Today · 4.125%
HK$3,793
baseline
▲ 0.50% · 4.625%
HK$4,023
+HK$230/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$7,586/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,970
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,077
−HK$108/mo
Today · 4.125%
HK$4,185
baseline
▲ 0.50% · 4.625%
HK$4,405
+HK$220/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$8,370/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,283
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,416
−HK$135/mo
Today · 4.125%
HK$4,551
baseline
▲ 0.50% · 4.625%
HK$4,828
+HK$277/mo
Deposit HK$626K · loan HK$939K · min. income ≈ HK$9,102/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,764
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,892
−HK$130/mo
Today · 4.125%
HK$5,022
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$265/mo
Deposit HK$626K · loan HK$939K · min. income ≈ HK$10,044/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,996
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,152
−HK$158/mo
Today · 4.125%
HK$5,310
baseline
▲ 0.50% · 4.625%
HK$5,633
+HK$323/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$10,620/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,558
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$151/mo
Today · 4.125%
HK$5,859
baseline
▲ 0.50% · 4.625%
HK$6,168
+HK$309/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$11,718/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,424
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,624
−HK$203/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,242
+HK$415/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,654/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,147
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,338
−HK$195/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,930
+HK$397/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,066/mo (50% DSR)
Upfront cash ≈ HK$157K (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).