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$3,535
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,645
−HK$111/mo
Today · 4.125%
HK$3,756
baseline
▲ 0.50% · 4.625%
HK$3,985
+HK$229/mo
Deposit HK$775K · loan HK$775K · min. income ≈ HK$7,512/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$3,932
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,038
−HK$107/mo
Today · 4.125%
HK$4,145
baseline
▲ 0.50% · 4.625%
HK$4,363
+HK$218/mo
Deposit HK$775K · loan HK$775K · min. income ≈ HK$8,290/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$4,242
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,374
−HK$134/mo
Today · 4.125%
HK$4,508
baseline
▲ 0.50% · 4.625%
HK$4,782
+HK$274/mo
Deposit HK$620K · loan HK$930K · min. income ≈ HK$9,016/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$4,719
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,845
−HK$129/mo
Today · 4.125%
HK$4,974
baseline
▲ 0.50% · 4.625%
HK$5,236
+HK$262/mo
Deposit HK$620K · loan HK$930K · min. income ≈ HK$9,948/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$4,948
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,102
−HK$157/mo
Today · 4.125%
HK$5,259
baseline
▲ 0.50% · 4.625%
HK$5,579
+HK$320/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$10,518/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$5,505
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,653
−HK$150/mo
Today · 4.125%
HK$5,803
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$305/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$11,606/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$6,362
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,560
−HK$201/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,173
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,522/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$7,078
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$192/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,854
+HK$394/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,920/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).