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$3,334
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,438
−HK$105/mo
Today · 4.125%
HK$3,543
baseline
▲ 0.50% · 4.625%
HK$3,759
+HK$216/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,086/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,709
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,808
−HK$101/mo
Today · 4.125%
HK$3,909
baseline
▲ 0.50% · 4.625%
HK$4,115
+HK$206/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,818/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,001
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,125
−HK$127/mo
Today · 4.125%
HK$4,252
baseline
▲ 0.50% · 4.625%
HK$4,510
+HK$258/mo
Deposit HK$585K · loan HK$877K · min. income ≈ HK$8,504/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,451
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,570
−HK$121/mo
Today · 4.125%
HK$4,691
baseline
▲ 0.50% · 4.625%
HK$4,939
+HK$248/mo
Deposit HK$585K · loan HK$877K · min. income ≈ HK$9,382/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,668
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,813
−HK$147/mo
Today · 4.125%
HK$4,960
baseline
▲ 0.50% · 4.625%
HK$5,262
+HK$302/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,920/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,193
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,332
−HK$141/mo
Today · 4.125%
HK$5,473
baseline
▲ 0.50% · 4.625%
HK$5,762
+HK$289/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,946/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,001
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$189/mo
Today · 4.125%
HK$6,377
baseline
▲ 0.50% · 4.625%
HK$6,765
+HK$388/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,754/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,676
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$182/mo
Today · 4.125%
HK$7,037
baseline
▲ 0.50% · 4.625%
HK$7,408
+HK$371/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,074/mo (50% DSR)
Upfront cash ≈ HK$146K (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).