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$3,556
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,666
−HK$113/mo
Today · 4.125%
HK$3,779
baseline
▲ 0.50% · 4.625%
HK$4,008
+HK$229/mo
Deposit HK$780K · loan HK$780K · min. income ≈ HK$7,558/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,956
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,062
−HK$107/mo
Today · 4.125%
HK$4,169
baseline
▲ 0.50% · 4.625%
HK$4,389
+HK$220/mo
Deposit HK$780K · loan HK$780K · min. income ≈ HK$8,338/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,267
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,399
−HK$135/mo
Today · 4.125%
HK$4,534
baseline
▲ 0.50% · 4.625%
HK$4,810
+HK$276/mo
Deposit HK$624K · loan HK$936K · min. income ≈ HK$9,068/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,747
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,874
−HK$129/mo
Today · 4.125%
HK$5,003
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$264/mo
Deposit HK$624K · loan HK$936K · min. income ≈ HK$10,006/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,978
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,133
−HK$157/mo
Today · 4.125%
HK$5,290
baseline
▲ 0.50% · 4.625%
HK$5,612
+HK$322/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$10,580/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$5,538
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,686
−HK$151/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,145
+HK$308/mo
Deposit HK$468K · loan HK$1.09M · min. income ≈ HK$11,674/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$6,400
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$202/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$414/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,602/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$7,120
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$194/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$15,010/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).