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$3,514
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,623
−HK$111/mo
Today · 4.125%
HK$3,734
baseline
▲ 0.50% · 4.625%
HK$3,961
+HK$227/mo
Deposit HK$770K · loan HK$770K · min. income ≈ HK$7,468/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,909
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,014
−HK$106/mo
Today · 4.125%
HK$4,120
baseline
▲ 0.50% · 4.625%
HK$4,337
+HK$217/mo
Deposit HK$770K · loan HK$770K · min. income ≈ HK$8,240/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,216
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$133/mo
Today · 4.125%
HK$4,481
baseline
▲ 0.50% · 4.625%
HK$4,753
+HK$272/mo
Deposit HK$616K · loan HK$925K · min. income ≈ HK$8,962/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$4,691
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$127/mo
Today · 4.125%
HK$4,944
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$261/mo
Deposit HK$616K · loan HK$925K · min. income ≈ HK$9,888/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$4,919
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,072
−HK$156/mo
Today · 4.125%
HK$5,228
baseline
▲ 0.50% · 4.625%
HK$5,546
+HK$318/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$10,456/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$5,472
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,619
−HK$149/mo
Today · 4.125%
HK$5,768
baseline
▲ 0.50% · 4.625%
HK$6,072
+HK$304/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$11,536/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$6,325
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$200/mo
Today · 4.125%
HK$6,721
baseline
▲ 0.50% · 4.625%
HK$7,130
+HK$409/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,442/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$7,036
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,225
−HK$191/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,807
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,832/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).