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$3,353
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,457
−HK$106/mo
Today · 4.125%
HK$3,563
baseline
▲ 0.50% · 4.625%
HK$3,780
+HK$217/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,126/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,730
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,830
−HK$102/mo
Today · 4.125%
HK$3,932
baseline
▲ 0.50% · 4.625%
HK$4,139
+HK$207/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,864/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,024
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,149
−HK$127/mo
Today · 4.125%
HK$4,276
baseline
▲ 0.50% · 4.625%
HK$4,536
+HK$260/mo
Deposit HK$588K · loan HK$882K · min. income ≈ HK$8,552/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,476
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,596
−HK$122/mo
Today · 4.125%
HK$4,718
baseline
▲ 0.50% · 4.625%
HK$4,967
+HK$249/mo
Deposit HK$588K · loan HK$882K · min. income ≈ HK$9,436/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,694
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,840
−HK$149/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,292
+HK$303/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$9,978/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,222
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,362
−HK$143/mo
Today · 4.125%
HK$5,505
baseline
▲ 0.50% · 4.625%
HK$5,795
+HK$290/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$11,010/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,036
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$191/mo
Today · 4.125%
HK$6,414
baseline
▲ 0.50% · 4.625%
HK$6,804
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,828/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,714
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,895
−HK$182/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,154/mo (50% DSR)
Upfront cash ≈ HK$147K (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).