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$3,538
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,648
−HK$111/mo
Today · 4.125%
HK$3,759
baseline
▲ 0.50% · 4.625%
HK$3,988
+HK$229/mo
Deposit HK$776K · loan HK$776K · min. income ≈ HK$7,518/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,936
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,041
−HK$107/mo
Today · 4.125%
HK$4,148
baseline
▲ 0.50% · 4.625%
HK$4,367
+HK$219/mo
Deposit HK$776K · loan HK$776K · min. income ≈ HK$8,296/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,245
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,377
−HK$134/mo
Today · 4.125%
HK$4,511
baseline
▲ 0.50% · 4.625%
HK$4,786
+HK$275/mo
Deposit HK$621K · loan HK$931K · min. income ≈ HK$9,022/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,723
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,849
−HK$129/mo
Today · 4.125%
HK$4,978
baseline
▲ 0.50% · 4.625%
HK$5,240
+HK$262/mo
Deposit HK$621K · loan HK$931K · min. income ≈ HK$9,956/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,953
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,107
−HK$156/mo
Today · 4.125%
HK$5,263
baseline
▲ 0.50% · 4.625%
HK$5,583
+HK$320/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$10,526/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,510
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,658
−HK$149/mo
Today · 4.125%
HK$5,807
baseline
▲ 0.50% · 4.625%
HK$6,114
+HK$307/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$11,614/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,368
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,566
−HK$201/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,179
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,534/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,084
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$193/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$393/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,934/mo (50% DSR)
Upfront cash ≈ HK$155K (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).