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$3,389
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,494
−HK$108/mo
Today · 4.125%
HK$3,602
baseline
▲ 0.50% · 4.625%
HK$3,821
+HK$219/mo
Deposit HK$743K · loan HK$743K · min. income ≈ HK$7,204/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,770
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,871
−HK$103/mo
Today · 4.125%
HK$3,974
baseline
▲ 0.50% · 4.625%
HK$4,183
+HK$209/mo
Deposit HK$743K · loan HK$743K · min. income ≈ HK$7,948/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,067
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,193
−HK$129/mo
Today · 4.125%
HK$4,322
baseline
▲ 0.50% · 4.625%
HK$4,585
+HK$263/mo
Deposit HK$594K · loan HK$892K · min. income ≈ HK$8,644/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,524
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,646
−HK$123/mo
Today · 4.125%
HK$4,769
baseline
▲ 0.50% · 4.625%
HK$5,020
+HK$251/mo
Deposit HK$594K · loan HK$892K · min. income ≈ HK$9,538/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,745
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,892
−HK$150/mo
Today · 4.125%
HK$5,042
baseline
▲ 0.50% · 4.625%
HK$5,349
+HK$307/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$10,084/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,278
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,420
−HK$143/mo
Today · 4.125%
HK$5,563
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$294/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$11,126/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,100
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$193/mo
Today · 4.125%
HK$6,483
baseline
▲ 0.50% · 4.625%
HK$6,877
+HK$394/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,966/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$6,786
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,968
−HK$185/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$377/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,306/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).