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$3,419
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,525
−HK$108/mo
Today · 4.125%
HK$3,633
baseline
▲ 0.50% · 4.625%
HK$3,854
+HK$221/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$7,266/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,803
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,905
−HK$104/mo
Today · 4.125%
HK$4,009
baseline
▲ 0.50% · 4.625%
HK$4,220
+HK$211/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$8,018/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,103
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,230
−HK$130/mo
Today · 4.125%
HK$4,360
baseline
▲ 0.50% · 4.625%
HK$4,625
+HK$265/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$8,720/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,564
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,687
−HK$124/mo
Today · 4.125%
HK$4,811
baseline
▲ 0.50% · 4.625%
HK$5,064
+HK$253/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$9,622/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,786
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,935
−HK$152/mo
Today · 4.125%
HK$5,087
baseline
▲ 0.50% · 4.625%
HK$5,396
+HK$309/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$10,174/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,325
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$145/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,908
+HK$295/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$11,226/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,154
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$195/mo
Today · 4.125%
HK$6,540
baseline
▲ 0.50% · 4.625%
HK$6,938
+HK$398/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,080/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,846
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$186/mo
Today · 4.125%
HK$7,216
baseline
▲ 0.50% · 4.625%
HK$7,596
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,432/mo (50% DSR)
Upfront cash ≈ HK$150K (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).