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$3,450
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,557
−HK$109/mo
Today · 4.125%
HK$3,666
baseline
▲ 0.50% · 4.625%
HK$3,890
+HK$224/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$7,332/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,838
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,941
−HK$105/mo
Today · 4.125%
HK$4,046
baseline
▲ 0.50% · 4.625%
HK$4,259
+HK$213/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$8,092/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,140
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,269
−HK$131/mo
Today · 4.125%
HK$4,400
baseline
▲ 0.50% · 4.625%
HK$4,668
+HK$268/mo
Deposit HK$605K · loan HK$908K · min. income ≈ HK$8,800/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,606
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,729
−HK$126/mo
Today · 4.125%
HK$4,855
baseline
▲ 0.50% · 4.625%
HK$5,111
+HK$256/mo
Deposit HK$605K · loan HK$908K · min. income ≈ HK$9,710/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,830
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,980
−HK$153/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,445
+HK$312/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$10,266/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,374
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,518
−HK$146/mo
Today · 4.125%
HK$5,664
baseline
▲ 0.50% · 4.625%
HK$5,962
+HK$298/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$11,328/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,210
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,403
−HK$197/mo
Today · 4.125%
HK$6,600
baseline
▲ 0.50% · 4.625%
HK$7,001
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,200/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,909
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$188/mo
Today · 4.125%
HK$7,282
baseline
▲ 0.50% · 4.625%
HK$7,666
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,564/mo (50% DSR)
Upfront cash ≈ HK$151K (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).