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$3,361
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,465
−HK$107/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,789
+HK$217/mo
Deposit HK$737K · loan HK$737K · min. income ≈ HK$7,144/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,739
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,839
−HK$102/mo
Today · 4.125%
HK$3,941
baseline
▲ 0.50% · 4.625%
HK$4,149
+HK$208/mo
Deposit HK$737K · loan HK$737K · min. income ≈ HK$7,882/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,033
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,158
−HK$128/mo
Today · 4.125%
HK$4,286
baseline
▲ 0.50% · 4.625%
HK$4,547
+HK$261/mo
Deposit HK$590K · loan HK$884K · min. income ≈ HK$8,572/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,487
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,607
−HK$122/mo
Today · 4.125%
HK$4,729
baseline
▲ 0.50% · 4.625%
HK$4,978
+HK$249/mo
Deposit HK$590K · loan HK$884K · min. income ≈ HK$9,458/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,705
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,852
−HK$148/mo
Today · 4.125%
HK$5,000
baseline
▲ 0.50% · 4.625%
HK$5,304
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$10,000/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,234
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,375
−HK$142/mo
Today · 4.125%
HK$5,517
baseline
▲ 0.50% · 4.625%
HK$5,808
+HK$291/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,034/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,049
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,238
−HK$191/mo
Today · 4.125%
HK$6,429
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$391/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$12,858/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,730
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,910
−HK$184/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,468
+HK$374/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$14,188/mo (50% DSR)
Upfront cash ≈ HK$147K (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).