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$3,498
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,606
−HK$111/mo
Today · 4.125%
HK$3,717
baseline
▲ 0.50% · 4.625%
HK$3,943
+HK$226/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$7,434/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,891
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,995
−HK$106/mo
Today · 4.125%
HK$4,101
baseline
▲ 0.50% · 4.625%
HK$4,317
+HK$216/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$8,202/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,197
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,328
−HK$132/mo
Today · 4.125%
HK$4,460
baseline
▲ 0.50% · 4.625%
HK$4,732
+HK$272/mo
Deposit HK$614K · loan HK$920K · min. income ≈ HK$8,920/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,669
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$128/mo
Today · 4.125%
HK$4,922
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$259/mo
Deposit HK$614K · loan HK$920K · min. income ≈ HK$9,844/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,897
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,049
−HK$155/mo
Today · 4.125%
HK$5,204
baseline
▲ 0.50% · 4.625%
HK$5,520
+HK$316/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$10,408/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,447
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,594
−HK$148/mo
Today · 4.125%
HK$5,742
baseline
▲ 0.50% · 4.625%
HK$6,044
+HK$302/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$11,484/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,296
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,492
−HK$198/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,098
+HK$408/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,380/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,004
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,192
−HK$190/mo
Today · 4.125%
HK$7,382
baseline
▲ 0.50% · 4.625%
HK$7,771
+HK$389/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,764/mo (50% DSR)
Upfront cash ≈ HK$153K (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).