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$3,425
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,531
−HK$108/mo
Today · 4.125%
HK$3,639
baseline
▲ 0.50% · 4.625%
HK$3,861
+HK$222/mo
Deposit HK$751K · loan HK$751K · min. income ≈ HK$7,278/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,810
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,912
−HK$104/mo
Today · 4.125%
HK$4,016
baseline
▲ 0.50% · 4.625%
HK$4,227
+HK$211/mo
Deposit HK$751K · loan HK$751K · min. income ≈ HK$8,032/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,110
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,237
−HK$130/mo
Today · 4.125%
HK$4,367
baseline
▲ 0.50% · 4.625%
HK$4,633
+HK$266/mo
Deposit HK$601K · loan HK$901K · min. income ≈ HK$8,734/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,572
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,694
−HK$125/mo
Today · 4.125%
HK$4,819
baseline
▲ 0.50% · 4.625%
HK$5,073
+HK$254/mo
Deposit HK$601K · loan HK$901K · min. income ≈ HK$9,638/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,794
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,944
−HK$151/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$310/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$10,190/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,334
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$145/mo
Today · 4.125%
HK$5,622
baseline
▲ 0.50% · 4.625%
HK$5,918
+HK$296/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$11,244/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,164
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,356
−HK$195/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$399/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,102/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$6,858
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$186/mo
Today · 4.125%
HK$7,228
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$381/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,456/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).