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$3,553
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,663
−HK$113/mo
Today · 4.125%
HK$3,776
baseline
▲ 0.50% · 4.625%
HK$4,005
+HK$229/mo
Deposit HK$779K · loan HK$779K · min. income ≈ HK$7,552/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,952
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,058
−HK$108/mo
Today · 4.125%
HK$4,166
baseline
▲ 0.50% · 4.625%
HK$4,386
+HK$220/mo
Deposit HK$779K · loan HK$779K · min. income ≈ HK$8,332/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,263
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,396
−HK$135/mo
Today · 4.125%
HK$4,531
baseline
▲ 0.50% · 4.625%
HK$4,806
+HK$275/mo
Deposit HK$623K · loan HK$935K · min. income ≈ HK$9,062/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,743
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,870
−HK$129/mo
Today · 4.125%
HK$4,999
baseline
▲ 0.50% · 4.625%
HK$5,263
+HK$264/mo
Deposit HK$623K · loan HK$935K · min. income ≈ HK$9,998/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,974
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,129
−HK$157/mo
Today · 4.125%
HK$5,286
baseline
▲ 0.50% · 4.625%
HK$5,607
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,572/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,533
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$150/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,140
+HK$308/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,664/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,395
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$202/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,210
+HK$414/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,592/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,114
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$194/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,998/mo (50% DSR)
Upfront cash ≈ HK$156K (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).