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$3,532
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,642
−HK$112/mo
Today · 4.125%
HK$3,754
baseline
▲ 0.50% · 4.625%
HK$3,982
+HK$228/mo
Deposit HK$775K · loan HK$775K · min. income ≈ HK$7,508/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,930
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,035
−HK$107/mo
Today · 4.125%
HK$4,142
baseline
▲ 0.50% · 4.625%
HK$4,360
+HK$218/mo
Deposit HK$775K · loan HK$775K · min. income ≈ HK$8,284/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,239
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,371
−HK$134/mo
Today · 4.125%
HK$4,505
baseline
▲ 0.50% · 4.625%
HK$4,779
+HK$274/mo
Deposit HK$620K · loan HK$929K · min. income ≈ HK$9,010/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,716
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,842
−HK$129/mo
Today · 4.125%
HK$4,971
baseline
▲ 0.50% · 4.625%
HK$5,233
+HK$262/mo
Deposit HK$620K · loan HK$929K · min. income ≈ HK$9,942/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,945
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,099
−HK$157/mo
Today · 4.125%
HK$5,256
baseline
▲ 0.50% · 4.625%
HK$5,575
+HK$319/mo
Deposit HK$465K · loan HK$1.08M · min. income ≈ HK$10,512/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,502
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,649
−HK$150/mo
Today · 4.125%
HK$5,799
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$306/mo
Deposit HK$465K · loan HK$1.08M · min. income ≈ HK$11,598/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,358
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,556
−HK$201/mo
Today · 4.125%
HK$6,757
baseline
▲ 0.50% · 4.625%
HK$7,168
+HK$411/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,514/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$7,074
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$193/mo
Today · 4.125%
HK$7,456
baseline
▲ 0.50% · 4.625%
HK$7,849
+HK$393/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,912/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).