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$3,274
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,375
−HK$104/mo
Today · 4.125%
HK$3,479
baseline
▲ 0.50% · 4.625%
HK$3,691
+HK$212/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$6,958/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,642
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,740
−HK$99/mo
Today · 4.125%
HK$3,839
baseline
▲ 0.50% · 4.625%
HK$4,041
+HK$202/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$7,678/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,928
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,051
−HK$124/mo
Today · 4.125%
HK$4,175
baseline
▲ 0.50% · 4.625%
HK$4,429
+HK$254/mo
Deposit HK$574K · loan HK$861K · min. income ≈ HK$8,350/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,370
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,488
−HK$118/mo
Today · 4.125%
HK$4,606
baseline
▲ 0.50% · 4.625%
HK$4,849
+HK$243/mo
Deposit HK$574K · loan HK$861K · min. income ≈ HK$9,212/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,583
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,726
−HK$145/mo
Today · 4.125%
HK$4,871
baseline
▲ 0.50% · 4.625%
HK$5,167
+HK$296/mo
Deposit HK$431K · loan HK$1.00M · min. income ≈ HK$9,742/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,099
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,235
−HK$139/mo
Today · 4.125%
HK$5,374
baseline
▲ 0.50% · 4.625%
HK$5,657
+HK$283/mo
Deposit HK$431K · loan HK$1.00M · min. income ≈ HK$10,748/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,893
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,076
−HK$186/mo
Today · 4.125%
HK$6,262
baseline
▲ 0.50% · 4.625%
HK$6,643
+HK$381/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$12,524/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,555
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$179/mo
Today · 4.125%
HK$6,910
baseline
▲ 0.50% · 4.625%
HK$7,274
+HK$364/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$13,820/mo (50% DSR)
Upfront cash ≈ HK$144K (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).