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$3,526
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,636
−HK$111/mo
Today · 4.125%
HK$3,747
baseline
▲ 0.50% · 4.625%
HK$3,975
+HK$228/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$7,494/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,923
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,028
−HK$106/mo
Today · 4.125%
HK$4,134
baseline
▲ 0.50% · 4.625%
HK$4,352
+HK$218/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$8,268/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,231
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,363
−HK$133/mo
Today · 4.125%
HK$4,496
baseline
▲ 0.50% · 4.625%
HK$4,770
+HK$274/mo
Deposit HK$619K · loan HK$928K · min. income ≈ HK$8,992/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,707
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,833
−HK$128/mo
Today · 4.125%
HK$4,961
baseline
▲ 0.50% · 4.625%
HK$5,223
+HK$262/mo
Deposit HK$619K · loan HK$928K · min. income ≈ HK$9,922/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,936
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$156/mo
Today · 4.125%
HK$5,246
baseline
▲ 0.50% · 4.625%
HK$5,565
+HK$319/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,492/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,492
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,639
−HK$149/mo
Today · 4.125%
HK$5,788
baseline
▲ 0.50% · 4.625%
HK$6,093
+HK$305/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,576/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,347
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,544
−HK$201/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,155
+HK$410/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,490/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,061
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,250
−HK$192/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$392/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,884/mo (50% DSR)
Upfront cash ≈ HK$155K (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).