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$3,513
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,622
−HK$111/mo
Today · 4.125%
HK$3,733
baseline
▲ 0.50% · 4.625%
HK$3,960
+HK$227/mo
Deposit HK$770K · loan HK$770K · min. income ≈ HK$7,466/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,908
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,013
−HK$106/mo
Today · 4.125%
HK$4,119
baseline
▲ 0.50% · 4.625%
HK$4,336
+HK$217/mo
Deposit HK$770K · loan HK$770K · min. income ≈ HK$8,238/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,215
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,347
−HK$133/mo
Today · 4.125%
HK$4,480
baseline
▲ 0.50% · 4.625%
HK$4,752
+HK$272/mo
Deposit HK$616K · loan HK$924K · min. income ≈ HK$8,960/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,690
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,815
−HK$128/mo
Today · 4.125%
HK$4,943
baseline
▲ 0.50% · 4.625%
HK$5,203
+HK$260/mo
Deposit HK$616K · loan HK$924K · min. income ≈ HK$9,886/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,918
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,071
−HK$155/mo
Today · 4.125%
HK$5,226
baseline
▲ 0.50% · 4.625%
HK$5,544
+HK$318/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$10,452/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,471
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,618
−HK$149/mo
Today · 4.125%
HK$5,767
baseline
▲ 0.50% · 4.625%
HK$6,071
+HK$304/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$11,534/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,323
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,520
−HK$200/mo
Today · 4.125%
HK$6,720
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$408/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,440/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,034
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$191/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,805
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,828/mo (50% DSR)
Upfront cash ≈ HK$154K (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).