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$3,262
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,363
−HK$103/mo
Today · 4.125%
HK$3,466
baseline
▲ 0.50% · 4.625%
HK$3,677
+HK$211/mo
Deposit HK$715K · loan HK$715K · min. income ≈ HK$6,932/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,629
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,726
−HK$99/mo
Today · 4.125%
HK$3,825
baseline
▲ 0.50% · 4.625%
HK$4,026
+HK$201/mo
Deposit HK$715K · loan HK$715K · min. income ≈ HK$7,650/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,914
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,036
−HK$123/mo
Today · 4.125%
HK$4,159
baseline
▲ 0.50% · 4.625%
HK$4,413
+HK$254/mo
Deposit HK$572K · loan HK$858K · min. income ≈ HK$8,318/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,354
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,471
−HK$119/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,831
+HK$241/mo
Deposit HK$572K · loan HK$858K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,566
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,708
−HK$145/mo
Today · 4.125%
HK$4,853
baseline
▲ 0.50% · 4.625%
HK$5,148
+HK$295/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$9,706/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,080
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,216
−HK$138/mo
Today · 4.125%
HK$5,354
baseline
▲ 0.50% · 4.625%
HK$5,637
+HK$283/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$10,708/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,871
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$185/mo
Today · 4.125%
HK$6,239
baseline
▲ 0.50% · 4.625%
HK$6,619
+HK$380/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,478/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,531
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,707
−HK$177/mo
Today · 4.125%
HK$6,884
baseline
▲ 0.50% · 4.625%
HK$7,247
+HK$363/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,768/mo (50% DSR)
Upfront cash ≈ HK$143K (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).