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$3,542
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,652
−HK$112/mo
Today · 4.125%
HK$3,764
baseline
▲ 0.50% · 4.625%
HK$3,993
+HK$229/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$7,528/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,940
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,046
−HK$107/mo
Today · 4.125%
HK$4,153
baseline
▲ 0.50% · 4.625%
HK$4,372
+HK$219/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$8,306/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,250
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,383
−HK$134/mo
Today · 4.125%
HK$4,517
baseline
▲ 0.50% · 4.625%
HK$4,792
+HK$275/mo
Deposit HK$621K · loan HK$932K · min. income ≈ HK$9,034/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,728
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,855
−HK$129/mo
Today · 4.125%
HK$4,984
baseline
▲ 0.50% · 4.625%
HK$5,247
+HK$263/mo
Deposit HK$621K · loan HK$932K · min. income ≈ HK$9,968/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,959
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,113
−HK$157/mo
Today · 4.125%
HK$5,270
baseline
▲ 0.50% · 4.625%
HK$5,590
+HK$320/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$10,540/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,517
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$151/mo
Today · 4.125%
HK$5,815
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$306/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$11,630/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,375
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,574
−HK$201/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,188
+HK$413/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,550/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,093
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$193/mo
Today · 4.125%
HK$7,476
baseline
▲ 0.50% · 4.625%
HK$7,870
+HK$394/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,952/mo (50% DSR)
Upfront cash ≈ HK$155K (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).