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$3,333
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,437
−HK$105/mo
Today · 4.125%
HK$3,542
baseline
▲ 0.50% · 4.625%
HK$3,758
+HK$216/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,084/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,708
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,808
−HK$101/mo
Today · 4.125%
HK$3,909
baseline
▲ 0.50% · 4.625%
HK$4,115
+HK$206/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,818/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,000
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,125
−HK$126/mo
Today · 4.125%
HK$4,251
baseline
▲ 0.50% · 4.625%
HK$4,510
+HK$259/mo
Deposit HK$585K · loan HK$877K · min. income ≈ HK$8,502/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,450
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,569
−HK$121/mo
Today · 4.125%
HK$4,690
baseline
▲ 0.50% · 4.625%
HK$4,938
+HK$248/mo
Deposit HK$585K · loan HK$877K · min. income ≈ HK$9,380/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,667
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,812
−HK$147/mo
Today · 4.125%
HK$4,959
baseline
▲ 0.50% · 4.625%
HK$5,261
+HK$302/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,918/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,192
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,331
−HK$141/mo
Today · 4.125%
HK$5,472
baseline
▲ 0.50% · 4.625%
HK$5,761
+HK$289/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,944/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,000
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,187
−HK$189/mo
Today · 4.125%
HK$6,376
baseline
▲ 0.50% · 4.625%
HK$6,764
+HK$388/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,752/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,675
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,854
−HK$182/mo
Today · 4.125%
HK$7,036
baseline
▲ 0.50% · 4.625%
HK$7,407
+HK$371/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,072/mo (50% DSR)
Upfront cash ≈ HK$146K (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).