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$3,543
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,653
−HK$112/mo
Today · 4.125%
HK$3,765
baseline
▲ 0.50% · 4.625%
HK$3,994
+HK$229/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$7,530/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,942
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,047
−HK$108/mo
Today · 4.125%
HK$4,155
baseline
▲ 0.50% · 4.625%
HK$4,374
+HK$219/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$8,310/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,252
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,384
−HK$134/mo
Today · 4.125%
HK$4,518
baseline
▲ 0.50% · 4.625%
HK$4,793
+HK$275/mo
Deposit HK$622K · loan HK$932K · min. income ≈ HK$9,036/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,730
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,857
−HK$129/mo
Today · 4.125%
HK$4,986
baseline
▲ 0.50% · 4.625%
HK$5,248
+HK$262/mo
Deposit HK$622K · loan HK$932K · min. income ≈ HK$9,972/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,960
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,115
−HK$156/mo
Today · 4.125%
HK$5,271
baseline
▲ 0.50% · 4.625%
HK$5,592
+HK$321/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$10,542/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,518
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,666
−HK$151/mo
Today · 4.125%
HK$5,817
baseline
▲ 0.50% · 4.625%
HK$6,123
+HK$306/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$11,634/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,378
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,576
−HK$202/mo
Today · 4.125%
HK$6,778
baseline
▲ 0.50% · 4.625%
HK$7,190
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,556/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,095
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,285
−HK$193/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,873
+HK$395/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,956/mo (50% DSR)
Upfront cash ≈ HK$155K (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).