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$3,622
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,735
−HK$115/mo
Today · 4.125%
HK$3,850
baseline
▲ 0.50% · 4.625%
HK$4,084
+HK$234/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$7,700/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,030
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,138
−HK$110/mo
Today · 4.125%
HK$4,248
baseline
▲ 0.50% · 4.625%
HK$4,472
+HK$224/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$8,496/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,347
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$138/mo
Today · 4.125%
HK$4,620
baseline
▲ 0.50% · 4.625%
HK$4,901
+HK$281/mo
Deposit HK$635K · loan HK$953K · min. income ≈ HK$9,240/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,836
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,966
−HK$131/mo
Today · 4.125%
HK$5,097
baseline
▲ 0.50% · 4.625%
HK$5,366
+HK$269/mo
Deposit HK$635K · loan HK$953K · min. income ≈ HK$10,194/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,071
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,229
−HK$160/mo
Today · 4.125%
HK$5,389
baseline
▲ 0.50% · 4.625%
HK$5,717
+HK$328/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,778/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$5,642
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,793
−HK$154/mo
Today · 4.125%
HK$5,947
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$313/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,894/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$6,520
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$206/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$422/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,858/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$7,254
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,448
−HK$198/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$403/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,292/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).