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$3,760
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,877
−HK$119/mo
Today · 4.125%
HK$3,996
baseline
▲ 0.50% · 4.625%
HK$4,239
+HK$243/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$7,992/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,183
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,295
−HK$114/mo
Today · 4.125%
HK$4,409
baseline
▲ 0.50% · 4.625%
HK$4,642
+HK$233/mo
Deposit HK$825K · loan HK$825K · min. income ≈ HK$8,818/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,512
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,653
−HK$142/mo
Today · 4.125%
HK$4,795
baseline
▲ 0.50% · 4.625%
HK$5,087
+HK$292/mo
Deposit HK$660K · loan HK$989K · min. income ≈ HK$9,590/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,020
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,155
−HK$136/mo
Today · 4.125%
HK$5,291
baseline
▲ 0.50% · 4.625%
HK$5,570
+HK$279/mo
Deposit HK$660K · loan HK$989K · min. income ≈ HK$10,582/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,264
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,428
−HK$167/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,935
+HK$340/mo
Deposit HK$495K · loan HK$1.15M · min. income ≈ HK$11,190/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,857
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,014
−HK$159/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,498
+HK$325/mo
Deposit HK$495K · loan HK$1.15M · min. income ≈ HK$12,346/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,768
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,979
−HK$214/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,631
+HK$438/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$14,386/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,530
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$205/mo
Today · 4.125%
HK$7,937
baseline
▲ 0.50% · 4.625%
HK$8,355
+HK$418/mo
Deposit HK$165K · loan HK$1.48M · min. income ≈ HK$15,874/mo (50% DSR)
Upfront cash ≈ HK$165K (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).