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$3,746
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,863
−HK$118/mo
Today · 4.125%
HK$3,981
baseline
▲ 0.50% · 4.625%
HK$4,223
+HK$242/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$7,962/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,167
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,279
−HK$114/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,624
+HK$231/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,495
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,635
−HK$142/mo
Today · 4.125%
HK$4,777
baseline
▲ 0.50% · 4.625%
HK$5,068
+HK$291/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$9,554/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,001
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,135
−HK$136/mo
Today · 4.125%
HK$5,271
baseline
▲ 0.50% · 4.625%
HK$5,549
+HK$278/mo
Deposit HK$657K · loan HK$986K · min. income ≈ HK$10,542/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,245
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,408
−HK$165/mo
Today · 4.125%
HK$5,573
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$340/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,146/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,834
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,991
−HK$159/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,474
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,300/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,743
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$213/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,332/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,501
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,703
−HK$204/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,323
+HK$416/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,814/mo (50% DSR)
Upfront cash ≈ HK$164K (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).