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$3,529
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,638
−HK$112/mo
Today · 4.125%
HK$3,750
baseline
▲ 0.50% · 4.625%
HK$3,978
+HK$228/mo
Deposit HK$774K · loan HK$774K · min. income ≈ HK$7,500/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,926
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,031
−HK$107/mo
Today · 4.125%
HK$4,138
baseline
▲ 0.50% · 4.625%
HK$4,356
+HK$218/mo
Deposit HK$774K · loan HK$774K · min. income ≈ HK$8,276/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,234
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,366
−HK$134/mo
Today · 4.125%
HK$4,500
baseline
▲ 0.50% · 4.625%
HK$4,774
+HK$274/mo
Deposit HK$619K · loan HK$929K · min. income ≈ HK$9,000/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,711
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,837
−HK$128/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,227
+HK$262/mo
Deposit HK$619K · loan HK$929K · min. income ≈ HK$9,930/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,940
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,094
−HK$156/mo
Today · 4.125%
HK$5,250
baseline
▲ 0.50% · 4.625%
HK$5,569
+HK$319/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,500/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,496
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$150/mo
Today · 4.125%
HK$5,793
baseline
▲ 0.50% · 4.625%
HK$6,098
+HK$305/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,586/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,352
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,549
−HK$201/mo
Today · 4.125%
HK$6,750
baseline
▲ 0.50% · 4.625%
HK$7,161
+HK$411/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,500/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,066
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,256
−HK$192/mo
Today · 4.125%
HK$7,448
baseline
▲ 0.50% · 4.625%
HK$7,841
+HK$393/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,896/mo (50% DSR)
Upfront cash ≈ HK$155K (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).