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$3,400
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,505
−HK$108/mo
Today · 4.125%
HK$3,613
baseline
▲ 0.50% · 4.625%
HK$3,833
+HK$220/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,226/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,782
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,884
−HK$102/mo
Today · 4.125%
HK$3,986
baseline
▲ 0.50% · 4.625%
HK$4,197
+HK$211/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,972/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,080
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,207
−HK$128/mo
Today · 4.125%
HK$4,335
baseline
▲ 0.50% · 4.625%
HK$4,599
+HK$264/mo
Deposit HK$596K · loan HK$895K · min. income ≈ HK$8,670/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,539
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,660
−HK$124/mo
Today · 4.125%
HK$4,784
baseline
▲ 0.50% · 4.625%
HK$5,036
+HK$252/mo
Deposit HK$596K · loan HK$895K · min. income ≈ HK$9,568/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,760
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,908
−HK$150/mo
Today · 4.125%
HK$5,058
baseline
▲ 0.50% · 4.625%
HK$5,366
+HK$308/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,116/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,295
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,437
−HK$144/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$294/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,162/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,119
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,310
−HK$193/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$396/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$13,006/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,808
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$186/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,352/mo (50% DSR)
Upfront cash ≈ HK$149K (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).