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$3,303
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,406
−HK$104/mo
Today · 4.125%
HK$3,510
baseline
▲ 0.50% · 4.625%
HK$3,724
+HK$214/mo
Deposit HK$724K · loan HK$724K · min. income ≈ HK$7,020/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,675
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,773
−HK$100/mo
Today · 4.125%
HK$3,873
baseline
▲ 0.50% · 4.625%
HK$4,077
+HK$204/mo
Deposit HK$724K · loan HK$724K · min. income ≈ HK$7,746/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,964
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,087
−HK$125/mo
Today · 4.125%
HK$4,212
baseline
▲ 0.50% · 4.625%
HK$4,469
+HK$257/mo
Deposit HK$579K · loan HK$869K · min. income ≈ HK$8,424/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,410
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,528
−HK$120/mo
Today · 4.125%
HK$4,648
baseline
▲ 0.50% · 4.625%
HK$4,893
+HK$245/mo
Deposit HK$579K · loan HK$869K · min. income ≈ HK$9,296/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,624
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,768
−HK$146/mo
Today · 4.125%
HK$4,914
baseline
▲ 0.50% · 4.625%
HK$5,213
+HK$299/mo
Deposit HK$435K · loan HK$1.01M · min. income ≈ HK$9,828/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,145
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,283
−HK$140/mo
Today · 4.125%
HK$5,423
baseline
▲ 0.50% · 4.625%
HK$5,708
+HK$285/mo
Deposit HK$435K · loan HK$1.01M · min. income ≈ HK$10,846/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,946
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,131
−HK$187/mo
Today · 4.125%
HK$6,318
baseline
▲ 0.50% · 4.625%
HK$6,703
+HK$385/mo
Deposit HK$145K · loan HK$1.30M · min. income ≈ HK$12,636/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,614
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,792
−HK$180/mo
Today · 4.125%
HK$6,972
baseline
▲ 0.50% · 4.625%
HK$7,339
+HK$367/mo
Deposit HK$145K · loan HK$1.30M · min. income ≈ HK$13,944/mo (50% DSR)
Upfront cash ≈ HK$145K (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).