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$3,653
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,767
−HK$116/mo
Today · 4.125%
HK$3,883
baseline
▲ 0.50% · 4.625%
HK$4,119
+HK$236/mo
Deposit HK$801K · loan HK$801K · min. income ≈ HK$7,766/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,064
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,173
−HK$111/mo
Today · 4.125%
HK$4,284
baseline
▲ 0.50% · 4.625%
HK$4,510
+HK$226/mo
Deposit HK$801K · loan HK$801K · min. income ≈ HK$8,568/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,384
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,521
−HK$138/mo
Today · 4.125%
HK$4,659
baseline
▲ 0.50% · 4.625%
HK$4,943
+HK$284/mo
Deposit HK$641K · loan HK$961K · min. income ≈ HK$9,318/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,877
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,008
−HK$133/mo
Today · 4.125%
HK$5,141
baseline
▲ 0.50% · 4.625%
HK$5,412
+HK$271/mo
Deposit HK$641K · loan HK$961K · min. income ≈ HK$10,282/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,115
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$162/mo
Today · 4.125%
HK$5,436
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$330/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$10,872/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,690
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$155/mo
Today · 4.125%
HK$5,998
baseline
▲ 0.50% · 4.625%
HK$6,314
+HK$316/mo
Deposit HK$481K · loan HK$1.12M · min. income ≈ HK$11,996/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,576
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,781
−HK$208/mo
Today · 4.125%
HK$6,989
baseline
▲ 0.50% · 4.625%
HK$7,414
+HK$425/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,978/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,316
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$199/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$407/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,422/mo (50% DSR)
Upfront cash ≈ HK$160K (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).