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$3,516
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,625
−HK$111/mo
Today · 4.125%
HK$3,736
baseline
▲ 0.50% · 4.625%
HK$3,964
+HK$228/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$7,472/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,911
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,016
−HK$107/mo
Today · 4.125%
HK$4,123
baseline
▲ 0.50% · 4.625%
HK$4,340
+HK$217/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$8,246/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,219
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,350
−HK$134/mo
Today · 4.125%
HK$4,484
baseline
▲ 0.50% · 4.625%
HK$4,756
+HK$272/mo
Deposit HK$617K · loan HK$925K · min. income ≈ HK$8,968/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,694
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,819
−HK$128/mo
Today · 4.125%
HK$4,947
baseline
▲ 0.50% · 4.625%
HK$5,208
+HK$261/mo
Deposit HK$617K · loan HK$925K · min. income ≈ HK$9,894/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,922
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,075
−HK$156/mo
Today · 4.125%
HK$5,231
baseline
▲ 0.50% · 4.625%
HK$5,549
+HK$318/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,462/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$5,476
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,623
−HK$149/mo
Today · 4.125%
HK$5,772
baseline
▲ 0.50% · 4.625%
HK$6,076
+HK$304/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,544/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$6,329
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,525
−HK$200/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$410/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,450/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$7,040
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$192/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,842/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).