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$3,506
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,615
−HK$111/mo
Today · 4.125%
HK$3,726
baseline
▲ 0.50% · 4.625%
HK$3,952
+HK$226/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$7,452/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,900
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,005
−HK$106/mo
Today · 4.125%
HK$4,111
baseline
▲ 0.50% · 4.625%
HK$4,328
+HK$217/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$8,222/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,207
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,338
−HK$133/mo
Today · 4.125%
HK$4,471
baseline
▲ 0.50% · 4.625%
HK$4,743
+HK$272/mo
Deposit HK$615K · loan HK$922K · min. income ≈ HK$8,942/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,680
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,806
−HK$127/mo
Today · 4.125%
HK$4,933
baseline
▲ 0.50% · 4.625%
HK$5,193
+HK$260/mo
Deposit HK$615K · loan HK$922K · min. income ≈ HK$9,866/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,908
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,061
−HK$155/mo
Today · 4.125%
HK$5,216
baseline
▲ 0.50% · 4.625%
HK$5,533
+HK$317/mo
Deposit HK$461K · loan HK$1.08M · min. income ≈ HK$10,432/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,460
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$148/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,059
+HK$304/mo
Deposit HK$461K · loan HK$1.08M · min. income ≈ HK$11,510/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,310
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$199/mo
Today · 4.125%
HK$6,706
baseline
▲ 0.50% · 4.625%
HK$7,114
+HK$408/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$13,412/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,020
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$191/mo
Today · 4.125%
HK$7,400
baseline
▲ 0.50% · 4.625%
HK$7,790
+HK$390/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$14,800/mo (50% DSR)
Upfront cash ≈ HK$154K (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).