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$3,524
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,633
−HK$112/mo
Today · 4.125%
HK$3,745
baseline
▲ 0.50% · 4.625%
HK$3,973
+HK$228/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$7,490/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$3,920
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,025
−HK$107/mo
Today · 4.125%
HK$4,132
baseline
▲ 0.50% · 4.625%
HK$4,350
+HK$218/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$8,264/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$4,229
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,360
−HK$134/mo
Today · 4.125%
HK$4,494
baseline
▲ 0.50% · 4.625%
HK$4,767
+HK$273/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$8,988/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,704
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,830
−HK$128/mo
Today · 4.125%
HK$4,958
baseline
▲ 0.50% · 4.625%
HK$5,220
+HK$262/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$9,916/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,933
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,087
−HK$156/mo
Today · 4.125%
HK$5,243
baseline
▲ 0.50% · 4.625%
HK$5,562
+HK$319/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,486/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$5,488
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,635
−HK$150/mo
Today · 4.125%
HK$5,785
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$305/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,570/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$6,343
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$201/mo
Today · 4.125%
HK$6,741
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$410/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,482/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$7,056
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$192/mo
Today · 4.125%
HK$7,438
baseline
▲ 0.50% · 4.625%
HK$7,830
+HK$392/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,876/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).