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$3,500
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,608
−HK$111/mo
Today · 4.125%
HK$3,719
baseline
▲ 0.50% · 4.625%
HK$3,945
+HK$226/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$7,438/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,893
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,998
−HK$106/mo
Today · 4.125%
HK$4,104
baseline
▲ 0.50% · 4.625%
HK$4,320
+HK$216/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$8,208/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,199
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,330
−HK$133/mo
Today · 4.125%
HK$4,463
baseline
▲ 0.50% · 4.625%
HK$4,734
+HK$271/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$8,926/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,672
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,797
−HK$127/mo
Today · 4.125%
HK$4,924
baseline
▲ 0.50% · 4.625%
HK$5,184
+HK$260/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$9,848/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,899
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,052
−HK$155/mo
Today · 4.125%
HK$5,207
baseline
▲ 0.50% · 4.625%
HK$5,523
+HK$316/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$10,414/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,450
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$148/mo
Today · 4.125%
HK$5,745
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$303/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$11,490/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,299
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,495
−HK$199/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,102
+HK$408/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,388/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,008
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$190/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,776
+HK$390/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,772/mo (50% DSR)
Upfront cash ≈ HK$154K (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).