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$3,509
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,618
−HK$111/mo
Today · 4.125%
HK$3,729
baseline
▲ 0.50% · 4.625%
HK$3,956
+HK$227/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$7,458/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,903
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,008
−HK$106/mo
Today · 4.125%
HK$4,114
baseline
▲ 0.50% · 4.625%
HK$4,331
+HK$217/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$8,228/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,211
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,341
−HK$134/mo
Today · 4.125%
HK$4,475
baseline
▲ 0.50% · 4.625%
HK$4,747
+HK$272/mo
Deposit HK$616K · loan HK$923K · min. income ≈ HK$8,950/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,684
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$127/mo
Today · 4.125%
HK$4,937
baseline
▲ 0.50% · 4.625%
HK$5,197
+HK$260/mo
Deposit HK$616K · loan HK$923K · min. income ≈ HK$9,874/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,912
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,065
−HK$155/mo
Today · 4.125%
HK$5,220
baseline
▲ 0.50% · 4.625%
HK$5,538
+HK$318/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$10,440/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,465
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,611
−HK$149/mo
Today · 4.125%
HK$5,760
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$304/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$11,520/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$200/mo
Today · 4.125%
HK$6,712
baseline
▲ 0.50% · 4.625%
HK$7,120
+HK$408/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$13,424/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,026
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,215
−HK$191/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$390/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$14,812/mo (50% DSR)
Upfront cash ≈ HK$154K (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).