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$3,360
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,464
−HK$107/mo
Today · 4.125%
HK$3,571
baseline
▲ 0.50% · 4.625%
HK$3,788
+HK$217/mo
Deposit HK$737K · loan HK$737K · min. income ≈ HK$7,142/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,738
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,838
−HK$102/mo
Today · 4.125%
HK$3,940
baseline
▲ 0.50% · 4.625%
HK$4,148
+HK$208/mo
Deposit HK$737K · loan HK$737K · min. income ≈ HK$7,880/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,032
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,157
−HK$128/mo
Today · 4.125%
HK$4,285
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$260/mo
Deposit HK$589K · loan HK$884K · min. income ≈ HK$8,570/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,485
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,606
−HK$122/mo
Today · 4.125%
HK$4,728
baseline
▲ 0.50% · 4.625%
HK$4,977
+HK$249/mo
Deposit HK$589K · loan HK$884K · min. income ≈ HK$9,456/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,704
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,850
−HK$149/mo
Today · 4.125%
HK$4,999
baseline
▲ 0.50% · 4.625%
HK$5,303
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$9,998/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,233
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,373
−HK$143/mo
Today · 4.125%
HK$5,516
baseline
▲ 0.50% · 4.625%
HK$5,807
+HK$291/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,032/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,048
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$191/mo
Today · 4.125%
HK$6,427
baseline
▲ 0.50% · 4.625%
HK$6,818
+HK$391/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$12,854/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,728
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$183/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,466
+HK$374/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$14,184/mo (50% DSR)
Upfront cash ≈ HK$147K (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).