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$3,549
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,659
−HK$112/mo
Today · 4.125%
HK$3,771
baseline
▲ 0.50% · 4.625%
HK$4,001
+HK$230/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$7,542/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,948
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,054
−HK$107/mo
Today · 4.125%
HK$4,161
baseline
▲ 0.50% · 4.625%
HK$4,381
+HK$220/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$8,322/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,259
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,391
−HK$135/mo
Today · 4.125%
HK$4,526
baseline
▲ 0.50% · 4.625%
HK$4,801
+HK$275/mo
Deposit HK$623K · loan HK$934K · min. income ≈ HK$9,052/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$4,738
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,865
−HK$129/mo
Today · 4.125%
HK$4,994
baseline
▲ 0.50% · 4.625%
HK$5,257
+HK$263/mo
Deposit HK$623K · loan HK$934K · min. income ≈ HK$9,988/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$4,968
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,123
−HK$157/mo
Today · 4.125%
HK$5,280
baseline
▲ 0.50% · 4.625%
HK$5,601
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,560/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$5,527
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,675
−HK$151/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,133
+HK$307/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,652/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$6,388
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,587
−HK$201/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$413/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,576/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$7,106
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,297
−HK$193/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,980/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).