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$3,520
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,630
−HK$111/mo
Today · 4.125%
HK$3,741
baseline
▲ 0.50% · 4.625%
HK$3,969
+HK$228/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$7,482/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,916
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$107/mo
Today · 4.125%
HK$4,128
baseline
▲ 0.50% · 4.625%
HK$4,345
+HK$217/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$8,256/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,224
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,356
−HK$133/mo
Today · 4.125%
HK$4,489
baseline
▲ 0.50% · 4.625%
HK$4,762
+HK$273/mo
Deposit HK$618K · loan HK$926K · min. income ≈ HK$8,978/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,700
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$127/mo
Today · 4.125%
HK$4,953
baseline
▲ 0.50% · 4.625%
HK$5,215
+HK$262/mo
Deposit HK$618K · loan HK$926K · min. income ≈ HK$9,906/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,928
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,082
−HK$155/mo
Today · 4.125%
HK$5,237
baseline
▲ 0.50% · 4.625%
HK$5,556
+HK$319/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,474/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,483
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,630
−HK$149/mo
Today · 4.125%
HK$5,779
baseline
▲ 0.50% · 4.625%
HK$6,084
+HK$305/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,558/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,337
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,534
−HK$200/mo
Today · 4.125%
HK$6,734
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$410/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,468/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$7,049
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$192/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$392/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,860/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).