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$3,598
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,710
−HK$113/mo
Today · 4.125%
HK$3,823
baseline
▲ 0.50% · 4.625%
HK$4,056
+HK$233/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$7,646/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,002
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,110
−HK$109/mo
Today · 4.125%
HK$4,219
baseline
▲ 0.50% · 4.625%
HK$4,441
+HK$222/mo
Deposit HK$789K · loan HK$789K · min. income ≈ HK$8,438/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,317
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,451
−HK$137/mo
Today · 4.125%
HK$4,588
baseline
▲ 0.50% · 4.625%
HK$4,867
+HK$279/mo
Deposit HK$631K · loan HK$947K · min. income ≈ HK$9,176/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,803
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,932
−HK$130/mo
Today · 4.125%
HK$5,062
baseline
▲ 0.50% · 4.625%
HK$5,329
+HK$267/mo
Deposit HK$631K · loan HK$947K · min. income ≈ HK$10,124/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,037
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,193
−HK$159/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$326/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$10,704/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,603
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$153/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,217
+HK$311/mo
Deposit HK$473K · loan HK$1.10M · min. income ≈ HK$11,812/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,476
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$205/mo
Today · 4.125%
HK$6,882
baseline
▲ 0.50% · 4.625%
HK$7,301
+HK$419/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,764/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$7,204
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,397
−HK$196/mo
Today · 4.125%
HK$7,593
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$401/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,186/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).