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$3,382
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,487
−HK$107/mo
Today · 4.125%
HK$3,594
baseline
▲ 0.50% · 4.625%
HK$3,813
+HK$219/mo
Deposit HK$742K · loan HK$742K · min. income ≈ HK$7,188/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,763
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,864
−HK$102/mo
Today · 4.125%
HK$3,966
baseline
▲ 0.50% · 4.625%
HK$4,175
+HK$209/mo
Deposit HK$742K · loan HK$742K · min. income ≈ HK$7,932/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,059
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,185
−HK$128/mo
Today · 4.125%
HK$4,313
baseline
▲ 0.50% · 4.625%
HK$4,576
+HK$263/mo
Deposit HK$593K · loan HK$890K · min. income ≈ HK$8,626/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,515
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,636
−HK$123/mo
Today · 4.125%
HK$4,759
baseline
▲ 0.50% · 4.625%
HK$5,010
+HK$251/mo
Deposit HK$593K · loan HK$890K · min. income ≈ HK$9,518/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,735
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,882
−HK$150/mo
Today · 4.125%
HK$5,032
baseline
▲ 0.50% · 4.625%
HK$5,338
+HK$306/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$10,064/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,268
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,409
−HK$143/mo
Today · 4.125%
HK$5,552
baseline
▲ 0.50% · 4.625%
HK$5,845
+HK$293/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$11,104/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,088
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,277
−HK$193/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$394/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,940/mo (50% DSR)
Upfront cash ≈ HK$148K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,773
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$184/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$376/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,278/mo (50% DSR)
Upfront cash ≈ HK$148K (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).