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$3,715
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,830
−HK$118/mo
Today · 4.125%
HK$3,948
baseline
▲ 0.50% · 4.625%
HK$4,188
+HK$240/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$7,896/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,133
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,244
−HK$112/mo
Today · 4.125%
HK$4,356
baseline
▲ 0.50% · 4.625%
HK$4,586
+HK$230/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$8,712/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,458
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,596
−HK$141/mo
Today · 4.125%
HK$4,737
baseline
▲ 0.50% · 4.625%
HK$5,026
+HK$289/mo
Deposit HK$652K · loan HK$977K · min. income ≈ HK$9,474/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,959
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,092
−HK$135/mo
Today · 4.125%
HK$5,227
baseline
▲ 0.50% · 4.625%
HK$5,503
+HK$276/mo
Deposit HK$652K · loan HK$977K · min. income ≈ HK$10,454/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,201
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,363
−HK$164/mo
Today · 4.125%
HK$5,527
baseline
▲ 0.50% · 4.625%
HK$5,863
+HK$336/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,054/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,786
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,941
−HK$157/mo
Today · 4.125%
HK$6,098
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$322/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,196/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,687
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,895
−HK$211/mo
Today · 4.125%
HK$7,106
baseline
▲ 0.50% · 4.625%
HK$7,538
+HK$432/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,212/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,439
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,638
−HK$203/mo
Today · 4.125%
HK$7,841
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$413/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,682/mo (50% DSR)
Upfront cash ≈ HK$163K (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).