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$3,411
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,517
−HK$108/mo
Today · 4.125%
HK$3,625
baseline
▲ 0.50% · 4.625%
HK$3,846
+HK$221/mo
Deposit HK$748K · loan HK$748K · min. income ≈ HK$7,250/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,795
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,897
−HK$103/mo
Today · 4.125%
HK$4,000
baseline
▲ 0.50% · 4.625%
HK$4,211
+HK$211/mo
Deposit HK$748K · loan HK$748K · min. income ≈ HK$8,000/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,094
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,221
−HK$129/mo
Today · 4.125%
HK$4,350
baseline
▲ 0.50% · 4.625%
HK$4,615
+HK$265/mo
Deposit HK$598K · loan HK$898K · min. income ≈ HK$8,700/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,554
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,676
−HK$124/mo
Today · 4.125%
HK$4,800
baseline
▲ 0.50% · 4.625%
HK$5,053
+HK$253/mo
Deposit HK$598K · loan HK$898K · min. income ≈ HK$9,600/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,776
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,924
−HK$151/mo
Today · 4.125%
HK$5,075
baseline
▲ 0.50% · 4.625%
HK$5,384
+HK$309/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$10,150/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,313
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,456
−HK$144/mo
Today · 4.125%
HK$5,600
baseline
▲ 0.50% · 4.625%
HK$5,895
+HK$295/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$11,200/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,140
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,331
−HK$194/mo
Today · 4.125%
HK$6,525
baseline
▲ 0.50% · 4.625%
HK$6,922
+HK$397/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,050/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,831
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,014
−HK$186/mo
Today · 4.125%
HK$7,200
baseline
▲ 0.50% · 4.625%
HK$7,580
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,400/mo (50% DSR)
Upfront cash ≈ HK$150K (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).