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$3,289
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,391
−HK$104/mo
Today · 4.125%
HK$3,495
baseline
▲ 0.50% · 4.625%
HK$3,707
+HK$212/mo
Deposit HK$721K · loan HK$721K · min. income ≈ HK$6,990/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,659
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,757
−HK$99/mo
Today · 4.125%
HK$3,856
baseline
▲ 0.50% · 4.625%
HK$4,059
+HK$203/mo
Deposit HK$721K · loan HK$721K · min. income ≈ HK$7,712/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,946
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,069
−HK$125/mo
Today · 4.125%
HK$4,194
baseline
▲ 0.50% · 4.625%
HK$4,449
+HK$255/mo
Deposit HK$577K · loan HK$865K · min. income ≈ HK$8,388/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,390
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,508
−HK$119/mo
Today · 4.125%
HK$4,627
baseline
▲ 0.50% · 4.625%
HK$4,871
+HK$244/mo
Deposit HK$577K · loan HK$865K · min. income ≈ HK$9,254/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,604
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,747
−HK$146/mo
Today · 4.125%
HK$4,893
baseline
▲ 0.50% · 4.625%
HK$5,190
+HK$297/mo
Deposit HK$433K · loan HK$1.01M · min. income ≈ HK$9,786/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,122
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,259
−HK$140/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,683
+HK$284/mo
Deposit HK$433K · loan HK$1.01M · min. income ≈ HK$10,798/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,919
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,104
−HK$187/mo
Today · 4.125%
HK$6,291
baseline
▲ 0.50% · 4.625%
HK$6,673
+HK$382/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$12,582/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$6,585
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$179/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,307
+HK$366/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$13,882/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).