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$3,628
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,741
−HK$115/mo
Today · 4.125%
HK$3,856
baseline
▲ 0.50% · 4.625%
HK$4,090
+HK$234/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$7,712/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,036
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,145
−HK$109/mo
Today · 4.125%
HK$4,254
baseline
▲ 0.50% · 4.625%
HK$4,479
+HK$225/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$8,508/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,354
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,489
−HK$138/mo
Today · 4.125%
HK$4,627
baseline
▲ 0.50% · 4.625%
HK$4,908
+HK$281/mo
Deposit HK$636K · loan HK$955K · min. income ≈ HK$9,254/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,844
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,974
−HK$131/mo
Today · 4.125%
HK$5,105
baseline
▲ 0.50% · 4.625%
HK$5,374
+HK$269/mo
Deposit HK$636K · loan HK$955K · min. income ≈ HK$10,210/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,080
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,238
−HK$160/mo
Today · 4.125%
HK$5,398
baseline
▲ 0.50% · 4.625%
HK$5,727
+HK$329/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,796/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,651
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,803
−HK$153/mo
Today · 4.125%
HK$5,956
baseline
▲ 0.50% · 4.625%
HK$6,270
+HK$314/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,912/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,531
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$206/mo
Today · 4.125%
HK$6,940
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$423/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,880/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,266
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$198/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,316/mo (50% DSR)
Upfront cash ≈ HK$159K (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).