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$3,774
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,892
−HK$119/mo
Today · 4.125%
HK$4,011
baseline
▲ 0.50% · 4.625%
HK$4,255
+HK$244/mo
Deposit HK$828K · loan HK$828K · min. income ≈ HK$8,022/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,199
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,311
−HK$115/mo
Today · 4.125%
HK$4,426
baseline
▲ 0.50% · 4.625%
HK$4,659
+HK$233/mo
Deposit HK$828K · loan HK$828K · min. income ≈ HK$8,852/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,529
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,670
−HK$143/mo
Today · 4.125%
HK$4,813
baseline
▲ 0.50% · 4.625%
HK$5,106
+HK$293/mo
Deposit HK$662K · loan HK$993K · min. income ≈ HK$9,626/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,174
−HK$137/mo
Today · 4.125%
HK$5,311
baseline
▲ 0.50% · 4.625%
HK$5,591
+HK$280/mo
Deposit HK$662K · loan HK$993K · min. income ≈ HK$10,622/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,284
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,448
−HK$167/mo
Today · 4.125%
HK$5,615
baseline
▲ 0.50% · 4.625%
HK$5,957
+HK$342/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$11,230/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,878
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,036
−HK$160/mo
Today · 4.125%
HK$6,196
baseline
▲ 0.50% · 4.625%
HK$6,522
+HK$326/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$12,392/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,794
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$215/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,659
+HK$439/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,440/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,558
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,760
−HK$206/mo
Today · 4.125%
HK$7,966
baseline
▲ 0.50% · 4.625%
HK$8,386
+HK$420/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,932/mo (50% DSR)
Upfront cash ≈ HK$166K (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).