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$3,443
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,550
−HK$109/mo
Today · 4.125%
HK$3,659
baseline
▲ 0.50% · 4.625%
HK$3,881
+HK$222/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$7,318/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,830
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,933
−HK$104/mo
Today · 4.125%
HK$4,037
baseline
▲ 0.50% · 4.625%
HK$4,250
+HK$213/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$8,074/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,131
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,260
−HK$130/mo
Today · 4.125%
HK$4,390
baseline
▲ 0.50% · 4.625%
HK$4,658
+HK$268/mo
Deposit HK$604K · loan HK$906K · min. income ≈ HK$8,780/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,596
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,719
−HK$125/mo
Today · 4.125%
HK$4,844
baseline
▲ 0.50% · 4.625%
HK$5,100
+HK$256/mo
Deposit HK$604K · loan HK$906K · min. income ≈ HK$9,688/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,820
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,970
−HK$152/mo
Today · 4.125%
HK$5,122
baseline
▲ 0.50% · 4.625%
HK$5,434
+HK$312/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$10,244/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,362
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,506
−HK$146/mo
Today · 4.125%
HK$5,652
baseline
▲ 0.50% · 4.625%
HK$5,950
+HK$298/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$11,304/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$196/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$400/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,172/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$6,894
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$188/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$383/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,534/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).