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$3,486
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,595
−HK$110/mo
Today · 4.125%
HK$3,705
baseline
▲ 0.50% · 4.625%
HK$3,930
+HK$225/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,410/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,878
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,982
−HK$106/mo
Today · 4.125%
HK$4,088
baseline
▲ 0.50% · 4.625%
HK$4,303
+HK$215/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,176/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,183
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,314
−HK$132/mo
Today · 4.125%
HK$4,446
baseline
▲ 0.50% · 4.625%
HK$4,716
+HK$270/mo
Deposit HK$612K · loan HK$917K · min. income ≈ HK$8,892/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,654
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,779
−HK$126/mo
Today · 4.125%
HK$4,905
baseline
▲ 0.50% · 4.625%
HK$5,164
+HK$259/mo
Deposit HK$612K · loan HK$917K · min. income ≈ HK$9,810/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,881
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$155/mo
Today · 4.125%
HK$5,187
baseline
▲ 0.50% · 4.625%
HK$5,502
+HK$315/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,374/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,430
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$148/mo
Today · 4.125%
HK$5,723
baseline
▲ 0.50% · 4.625%
HK$6,025
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,446/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,275
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$199/mo
Today · 4.125%
HK$6,669
baseline
▲ 0.50% · 4.625%
HK$7,074
+HK$405/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,338/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,981
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$190/mo
Today · 4.125%
HK$7,358
baseline
▲ 0.50% · 4.625%
HK$7,746
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,716/mo (50% DSR)
Upfront cash ≈ HK$153K (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).