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$3,338
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,442
−HK$105/mo
Today · 4.125%
HK$3,547
baseline
▲ 0.50% · 4.625%
HK$3,763
+HK$216/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,094/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,713
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,813
−HK$101/mo
Today · 4.125%
HK$3,914
baseline
▲ 0.50% · 4.625%
HK$4,120
+HK$206/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,828/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,006
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,130
−HK$127/mo
Today · 4.125%
HK$4,257
baseline
▲ 0.50% · 4.625%
HK$4,516
+HK$259/mo
Deposit HK$586K · loan HK$878K · min. income ≈ HK$8,514/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,456
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,576
−HK$121/mo
Today · 4.125%
HK$4,697
baseline
▲ 0.50% · 4.625%
HK$4,944
+HK$247/mo
Deposit HK$586K · loan HK$878K · min. income ≈ HK$9,394/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,673
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,818
−HK$148/mo
Today · 4.125%
HK$4,966
baseline
▲ 0.50% · 4.625%
HK$5,268
+HK$302/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,932/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,199
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,338
−HK$142/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,768
+HK$288/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,960/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,008
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$190/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,774
+HK$389/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,770/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,684
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,863
−HK$182/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,417
+HK$372/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,090/mo (50% DSR)
Upfront cash ≈ HK$146K (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).