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$3,276
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,378
−HK$103/mo
Today · 4.125%
HK$3,481
baseline
▲ 0.50% · 4.625%
HK$3,693
+HK$212/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$6,962/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$3,645
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,742
−HK$99/mo
Today · 4.125%
HK$3,841
baseline
▲ 0.50% · 4.625%
HK$4,044
+HK$203/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$7,682/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$3,931
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,053
−HK$125/mo
Today · 4.125%
HK$4,178
baseline
▲ 0.50% · 4.625%
HK$4,432
+HK$254/mo
Deposit HK$575K · loan HK$862K · min. income ≈ HK$8,356/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,373
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,491
−HK$119/mo
Today · 4.125%
HK$4,610
baseline
▲ 0.50% · 4.625%
HK$4,853
+HK$243/mo
Deposit HK$575K · loan HK$862K · min. income ≈ HK$9,220/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,586
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,729
−HK$145/mo
Today · 4.125%
HK$4,874
baseline
▲ 0.50% · 4.625%
HK$5,171
+HK$297/mo
Deposit HK$431K · loan HK$1.01M · min. income ≈ HK$9,748/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$5,102
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$139/mo
Today · 4.125%
HK$5,378
baseline
▲ 0.50% · 4.625%
HK$5,661
+HK$283/mo
Deposit HK$431K · loan HK$1.01M · min. income ≈ HK$10,756/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$5,897
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,080
−HK$187/mo
Today · 4.125%
HK$6,267
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$381/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$12,534/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$6,560
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$179/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$364/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$13,830/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).