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$3,384
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,489
−HK$107/mo
Today · 4.125%
HK$3,596
baseline
▲ 0.50% · 4.625%
HK$3,815
+HK$219/mo
Deposit HK$742K · loan HK$742K · min. income ≈ HK$7,192/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,765
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,866
−HK$102/mo
Today · 4.125%
HK$3,968
baseline
▲ 0.50% · 4.625%
HK$4,177
+HK$209/mo
Deposit HK$742K · loan HK$742K · min. income ≈ HK$7,936/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,061
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,187
−HK$128/mo
Today · 4.125%
HK$4,315
baseline
▲ 0.50% · 4.625%
HK$4,578
+HK$263/mo
Deposit HK$594K · loan HK$890K · min. income ≈ HK$8,630/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,518
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,639
−HK$123/mo
Today · 4.125%
HK$4,762
baseline
▲ 0.50% · 4.625%
HK$5,013
+HK$251/mo
Deposit HK$594K · loan HK$890K · min. income ≈ HK$9,524/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,738
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,885
−HK$150/mo
Today · 4.125%
HK$5,035
baseline
▲ 0.50% · 4.625%
HK$5,341
+HK$306/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$10,070/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,271
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$143/mo
Today · 4.125%
HK$5,555
baseline
▲ 0.50% · 4.625%
HK$5,848
+HK$293/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$11,110/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,091
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$192/mo
Today · 4.125%
HK$6,473
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$394/mo
Deposit HK$148K · loan HK$1.34M · min. income ≈ HK$12,946/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,776
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$184/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$377/mo
Deposit HK$148K · loan HK$1.34M · min. income ≈ HK$14,284/mo (50% DSR)
Upfront cash ≈ HK$149K (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).