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$3,466
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,574
−HK$110/mo
Today · 4.125%
HK$3,684
baseline
▲ 0.50% · 4.625%
HK$3,908
+HK$224/mo
Deposit HK$760K · loan HK$760K · min. income ≈ HK$7,368/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,856
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,960
−HK$104/mo
Today · 4.125%
HK$4,064
baseline
▲ 0.50% · 4.625%
HK$4,279
+HK$215/mo
Deposit HK$760K · loan HK$760K · min. income ≈ HK$8,128/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,159
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,289
−HK$131/mo
Today · 4.125%
HK$4,420
baseline
▲ 0.50% · 4.625%
HK$4,689
+HK$269/mo
Deposit HK$608K · loan HK$912K · min. income ≈ HK$8,840/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,627
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,751
−HK$126/mo
Today · 4.125%
HK$4,877
baseline
▲ 0.50% · 4.625%
HK$5,134
+HK$257/mo
Deposit HK$608K · loan HK$912K · min. income ≈ HK$9,754/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,853
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,004
−HK$153/mo
Today · 4.125%
HK$5,157
baseline
▲ 0.50% · 4.625%
HK$5,471
+HK$314/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$10,314/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,399
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,543
−HK$147/mo
Today · 4.125%
HK$5,690
baseline
▲ 0.50% · 4.625%
HK$5,990
+HK$300/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$11,380/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,239
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,433
−HK$197/mo
Today · 4.125%
HK$6,630
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$404/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,260/mo (50% DSR)
Upfront cash ≈ HK$152K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,941
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$189/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,632/mo (50% DSR)
Upfront cash ≈ HK$152K (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).