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$3,466
−HK$106/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,790
+HK$218/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$203/mo
▼ 0.25% · 3.875%
HK$3,840
−HK$102/mo
Today · 4.125%
HK$3,942
baseline
▲ 0.50% · 4.625%
HK$4,149
+HK$207/mo
Deposit HK$737K · loan HK$737K · min. income ≈ HK$7,884/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$4,034
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,159
−HK$128/mo
Today · 4.125%
HK$4,287
baseline
▲ 0.50% · 4.625%
HK$4,547
+HK$260/mo
Deposit HK$590K · loan HK$884K · min. income ≈ HK$8,574/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$243/mo
▼ 0.25% · 3.875%
HK$4,608
−HK$122/mo
Today · 4.125%
HK$4,730
baseline
▲ 0.50% · 4.625%
HK$4,979
+HK$249/mo
Deposit HK$590K · loan HK$884K · min. income ≈ HK$9,460/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$4,706
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,852
−HK$149/mo
Today · 4.125%
HK$5,001
baseline
▲ 0.50% · 4.625%
HK$5,305
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$10,002/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$5,235
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,376
−HK$142/mo
Today · 4.125%
HK$5,518
baseline
▲ 0.50% · 4.625%
HK$5,809
+HK$291/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,036/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$6,050
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$191/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,821
+HK$391/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$12,860/mo (50% DSR)
Upfront cash ≈ HK$148K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,731
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$183/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$374/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$14,190/mo (50% DSR)
Upfront cash ≈ HK$148K (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).