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$3,550
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,661
−HK$112/mo
Today · 4.125%
HK$3,773
baseline
▲ 0.50% · 4.625%
HK$4,002
+HK$229/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$7,546/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,950
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,056
−HK$107/mo
Today · 4.125%
HK$4,163
baseline
▲ 0.50% · 4.625%
HK$4,382
+HK$219/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$8,326/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,260
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,393
−HK$134/mo
Today · 4.125%
HK$4,527
baseline
▲ 0.50% · 4.625%
HK$4,803
+HK$276/mo
Deposit HK$623K · loan HK$934K · min. income ≈ HK$9,054/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,740
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$129/mo
Today · 4.125%
HK$4,996
baseline
▲ 0.50% · 4.625%
HK$5,259
+HK$263/mo
Deposit HK$623K · loan HK$934K · min. income ≈ HK$9,992/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,970
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,125
−HK$157/mo
Today · 4.125%
HK$5,282
baseline
▲ 0.50% · 4.625%
HK$5,603
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,564/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,529
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$150/mo
Today · 4.125%
HK$5,828
baseline
▲ 0.50% · 4.625%
HK$6,135
+HK$307/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,656/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,390
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$202/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,204
+HK$413/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,582/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$7,109
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$193/mo
Today · 4.125%
HK$7,493
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,986/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).