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$3,365
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,469
−HK$107/mo
Today · 4.125%
HK$3,576
baseline
▲ 0.50% · 4.625%
HK$3,793
+HK$217/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,152/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,743
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,843
−HK$102/mo
Today · 4.125%
HK$3,945
baseline
▲ 0.50% · 4.625%
HK$4,153
+HK$208/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,890/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,037
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,163
−HK$128/mo
Today · 4.125%
HK$4,291
baseline
▲ 0.50% · 4.625%
HK$4,552
+HK$261/mo
Deposit HK$590K · loan HK$885K · min. income ≈ HK$8,582/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,492
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,612
−HK$122/mo
Today · 4.125%
HK$4,734
baseline
▲ 0.50% · 4.625%
HK$4,984
+HK$250/mo
Deposit HK$590K · loan HK$885K · min. income ≈ HK$9,468/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,710
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,857
−HK$149/mo
Today · 4.125%
HK$5,006
baseline
▲ 0.50% · 4.625%
HK$5,310
+HK$304/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,012/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,240
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,381
−HK$142/mo
Today · 4.125%
HK$5,523
baseline
▲ 0.50% · 4.625%
HK$5,814
+HK$291/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,046/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,056
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$191/mo
Today · 4.125%
HK$6,436
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$392/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,872/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$6,737
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$183/mo
Today · 4.125%
HK$7,101
baseline
▲ 0.50% · 4.625%
HK$7,476
+HK$375/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,202/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).