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$3,601
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,713
−HK$113/mo
Today · 4.125%
HK$3,826
baseline
▲ 0.50% · 4.625%
HK$4,059
+HK$233/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$7,652/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,006
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,113
−HK$109/mo
Today · 4.125%
HK$4,222
baseline
▲ 0.50% · 4.625%
HK$4,444
+HK$222/mo
Deposit HK$790K · loan HK$790K · min. income ≈ HK$8,444/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,321
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,455
−HK$137/mo
Today · 4.125%
HK$4,592
baseline
▲ 0.50% · 4.625%
HK$4,871
+HK$279/mo
Deposit HK$632K · loan HK$947K · min. income ≈ HK$9,184/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,807
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,936
−HK$130/mo
Today · 4.125%
HK$5,066
baseline
▲ 0.50% · 4.625%
HK$5,333
+HK$267/mo
Deposit HK$632K · loan HK$947K · min. income ≈ HK$10,132/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,041
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,198
−HK$159/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,683
+HK$326/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$10,714/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,608
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,758
−HK$153/mo
Today · 4.125%
HK$5,911
baseline
▲ 0.50% · 4.625%
HK$6,222
+HK$311/mo
Deposit HK$474K · loan HK$1.11M · min. income ≈ HK$11,822/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,481
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$204/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,774/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,210
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$197/mo
Today · 4.125%
HK$7,600
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$400/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,200/mo (50% DSR)
Upfront cash ≈ HK$158K (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).