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$3,313
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,416
−HK$105/mo
Today · 4.125%
HK$3,521
baseline
▲ 0.50% · 4.625%
HK$3,735
+HK$214/mo
Deposit HK$727K · loan HK$727K · min. income ≈ HK$7,042/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,686
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,785
−HK$100/mo
Today · 4.125%
HK$3,885
baseline
▲ 0.50% · 4.625%
HK$4,090
+HK$205/mo
Deposit HK$727K · loan HK$727K · min. income ≈ HK$7,770/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,976
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,100
−HK$125/mo
Today · 4.125%
HK$4,225
baseline
▲ 0.50% · 4.625%
HK$4,482
+HK$257/mo
Deposit HK$581K · loan HK$872K · min. income ≈ HK$8,450/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,423
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,542
−HK$120/mo
Today · 4.125%
HK$4,662
baseline
▲ 0.50% · 4.625%
HK$4,908
+HK$246/mo
Deposit HK$581K · loan HK$872K · min. income ≈ HK$9,324/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,639
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,783
−HK$147/mo
Today · 4.125%
HK$4,930
baseline
▲ 0.50% · 4.625%
HK$5,230
+HK$300/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$9,860/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,161
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$140/mo
Today · 4.125%
HK$5,439
baseline
▲ 0.50% · 4.625%
HK$5,726
+HK$287/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$10,878/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,964
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,150
−HK$188/mo
Today · 4.125%
HK$6,338
baseline
▲ 0.50% · 4.625%
HK$6,724
+HK$386/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,676/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,635
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,813
−HK$180/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,362
+HK$369/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,986/mo (50% DSR)
Upfront cash ≈ HK$145K (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).