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$3,309
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,412
−HK$104/mo
Today · 4.125%
HK$3,516
baseline
▲ 0.50% · 4.625%
HK$3,730
+HK$214/mo
Deposit HK$725K · loan HK$725K · min. income ≈ HK$7,032/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,681
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,779
−HK$101/mo
Today · 4.125%
HK$3,880
baseline
▲ 0.50% · 4.625%
HK$4,084
+HK$204/mo
Deposit HK$725K · loan HK$725K · min. income ≈ HK$7,760/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,970
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,094
−HK$125/mo
Today · 4.125%
HK$4,219
baseline
▲ 0.50% · 4.625%
HK$4,476
+HK$257/mo
Deposit HK$580K · loan HK$871K · min. income ≈ HK$8,438/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,417
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,535
−HK$121/mo
Today · 4.125%
HK$4,656
baseline
▲ 0.50% · 4.625%
HK$4,901
+HK$245/mo
Deposit HK$580K · loan HK$871K · min. income ≈ HK$9,312/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,632
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$146/mo
Today · 4.125%
HK$4,922
baseline
▲ 0.50% · 4.625%
HK$5,222
+HK$300/mo
Deposit HK$435K · loan HK$1.02M · min. income ≈ HK$9,844/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,153
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,291
−HK$140/mo
Today · 4.125%
HK$5,431
baseline
▲ 0.50% · 4.625%
HK$5,718
+HK$287/mo
Deposit HK$435K · loan HK$1.02M · min. income ≈ HK$10,862/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,955
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$188/mo
Today · 4.125%
HK$6,329
baseline
▲ 0.50% · 4.625%
HK$6,714
+HK$385/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,658/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$6,625
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$180/mo
Today · 4.125%
HK$6,983
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$368/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,966/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).