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$3,395
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,501
−HK$107/mo
Today · 4.125%
HK$3,608
baseline
▲ 0.50% · 4.625%
HK$3,827
+HK$219/mo
Deposit HK$744K · loan HK$744K · min. income ≈ HK$7,216/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,777
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,878
−HK$103/mo
Today · 4.125%
HK$3,981
baseline
▲ 0.50% · 4.625%
HK$4,191
+HK$210/mo
Deposit HK$744K · loan HK$744K · min. income ≈ HK$7,962/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,074
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,201
−HK$128/mo
Today · 4.125%
HK$4,329
baseline
▲ 0.50% · 4.625%
HK$4,593
+HK$264/mo
Deposit HK$596K · loan HK$893K · min. income ≈ HK$8,658/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$4,532
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,654
−HK$123/mo
Today · 4.125%
HK$4,777
baseline
▲ 0.50% · 4.625%
HK$5,029
+HK$252/mo
Deposit HK$596K · loan HK$893K · min. income ≈ HK$9,554/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$4,753
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,901
−HK$150/mo
Today · 4.125%
HK$5,051
baseline
▲ 0.50% · 4.625%
HK$5,358
+HK$307/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,102/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$5,288
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,429
−HK$144/mo
Today · 4.125%
HK$5,573
baseline
▲ 0.50% · 4.625%
HK$5,867
+HK$294/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,146/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$6,111
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,301
−HK$193/mo
Today · 4.125%
HK$6,494
baseline
▲ 0.50% · 4.625%
HK$6,889
+HK$395/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,988/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$6,798
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$185/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$377/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,332/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).