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$3,537
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,647
−HK$111/mo
Today · 4.125%
HK$3,758
baseline
▲ 0.50% · 4.625%
HK$3,987
+HK$229/mo
Deposit HK$776K · loan HK$776K · min. income ≈ HK$7,516/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,935
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,040
−HK$107/mo
Today · 4.125%
HK$4,147
baseline
▲ 0.50% · 4.625%
HK$4,366
+HK$219/mo
Deposit HK$776K · loan HK$776K · min. income ≈ HK$8,294/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,244
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,376
−HK$134/mo
Today · 4.125%
HK$4,510
baseline
▲ 0.50% · 4.625%
HK$4,785
+HK$275/mo
Deposit HK$620K · loan HK$931K · min. income ≈ HK$9,020/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,721
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,848
−HK$129/mo
Today · 4.125%
HK$4,977
baseline
▲ 0.50% · 4.625%
HK$5,239
+HK$262/mo
Deposit HK$620K · loan HK$931K · min. income ≈ HK$9,954/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,951
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,105
−HK$157/mo
Today · 4.125%
HK$5,262
baseline
▲ 0.50% · 4.625%
HK$5,582
+HK$320/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$10,524/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,508
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,656
−HK$150/mo
Today · 4.125%
HK$5,806
baseline
▲ 0.50% · 4.625%
HK$6,112
+HK$306/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$11,612/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,366
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$201/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,530/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,082
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$193/mo
Today · 4.125%
HK$7,465
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$393/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,930/mo (50% DSR)
Upfront cash ≈ HK$155K (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).