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$3,449
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,556
−HK$109/mo
Today · 4.125%
HK$3,665
baseline
▲ 0.50% · 4.625%
HK$3,888
+HK$223/mo
Deposit HK$756K · loan HK$756K · min. income ≈ HK$7,330/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,837
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,940
−HK$104/mo
Today · 4.125%
HK$4,044
baseline
▲ 0.50% · 4.625%
HK$4,258
+HK$214/mo
Deposit HK$756K · loan HK$756K · min. income ≈ HK$8,088/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,139
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,268
−HK$131/mo
Today · 4.125%
HK$4,399
baseline
▲ 0.50% · 4.625%
HK$4,666
+HK$267/mo
Deposit HK$605K · loan HK$908K · min. income ≈ HK$8,798/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,605
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,728
−HK$125/mo
Today · 4.125%
HK$4,853
baseline
▲ 0.50% · 4.625%
HK$5,109
+HK$256/mo
Deposit HK$605K · loan HK$908K · min. income ≈ HK$9,706/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,829
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,979
−HK$153/mo
Today · 4.125%
HK$5,132
baseline
▲ 0.50% · 4.625%
HK$5,444
+HK$312/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$10,264/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,372
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,516
−HK$146/mo
Today · 4.125%
HK$5,662
baseline
▲ 0.50% · 4.625%
HK$5,961
+HK$299/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$11,324/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,208
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,402
−HK$196/mo
Today · 4.125%
HK$6,598
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,196/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,907
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$188/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,664
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,560/mo (50% DSR)
Upfront cash ≈ HK$151K (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).