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$3,445
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,552
−HK$109/mo
Today · 4.125%
HK$3,661
baseline
▲ 0.50% · 4.625%
HK$3,884
+HK$223/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$7,322/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,832
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,935
−HK$104/mo
Today · 4.125%
HK$4,039
baseline
▲ 0.50% · 4.625%
HK$4,252
+HK$213/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$8,078/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,134
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,262
−HK$131/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,660
+HK$267/mo
Deposit HK$604K · loan HK$906K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,599
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,722
−HK$125/mo
Today · 4.125%
HK$4,847
baseline
▲ 0.50% · 4.625%
HK$5,103
+HK$256/mo
Deposit HK$604K · loan HK$906K · min. income ≈ HK$9,694/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,823
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,973
−HK$152/mo
Today · 4.125%
HK$5,125
baseline
▲ 0.50% · 4.625%
HK$5,437
+HK$312/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$10,250/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,365
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$146/mo
Today · 4.125%
HK$5,655
baseline
▲ 0.50% · 4.625%
HK$5,953
+HK$298/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$11,310/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,201
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,393
−HK$196/mo
Today · 4.125%
HK$6,589
baseline
▲ 0.50% · 4.625%
HK$6,990
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,178/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,898
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$188/mo
Today · 4.125%
HK$7,271
baseline
▲ 0.50% · 4.625%
HK$7,654
+HK$383/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,542/mo (50% DSR)
Upfront cash ≈ HK$151K (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).