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$3,630
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,742
−HK$115/mo
Today · 4.125%
HK$3,857
baseline
▲ 0.50% · 4.625%
HK$4,092
+HK$235/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$7,714/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,038
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,146
−HK$110/mo
Today · 4.125%
HK$4,256
baseline
▲ 0.50% · 4.625%
HK$4,480
+HK$224/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$8,512/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,356
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,491
−HK$138/mo
Today · 4.125%
HK$4,629
baseline
▲ 0.50% · 4.625%
HK$4,910
+HK$281/mo
Deposit HK$637K · loan HK$955K · min. income ≈ HK$9,258/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,845
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,975
−HK$132/mo
Today · 4.125%
HK$5,107
baseline
▲ 0.50% · 4.625%
HK$5,376
+HK$269/mo
Deposit HK$637K · loan HK$955K · min. income ≈ HK$10,214/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,081
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$161/mo
Today · 4.125%
HK$5,400
baseline
▲ 0.50% · 4.625%
HK$5,729
+HK$329/mo
Deposit HK$478K · loan HK$1.11M · min. income ≈ HK$10,800/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,653
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$153/mo
Today · 4.125%
HK$5,958
baseline
▲ 0.50% · 4.625%
HK$6,273
+HK$315/mo
Deposit HK$478K · loan HK$1.11M · min. income ≈ HK$11,916/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,533
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$207/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,365
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,886/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$198/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,065
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,322/mo (50% DSR)
Upfront cash ≈ HK$159K (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).