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$3,439
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,546
−HK$109/mo
Today · 4.125%
HK$3,655
baseline
▲ 0.50% · 4.625%
HK$3,877
+HK$222/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$7,310/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,826
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,928
−HK$105/mo
Today · 4.125%
HK$4,033
baseline
▲ 0.50% · 4.625%
HK$4,245
+HK$212/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$8,066/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,127
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,255
−HK$131/mo
Today · 4.125%
HK$4,386
baseline
▲ 0.50% · 4.625%
HK$4,652
+HK$266/mo
Deposit HK$603K · loan HK$905K · min. income ≈ HK$8,772/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,591
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,714
−HK$125/mo
Today · 4.125%
HK$4,839
baseline
▲ 0.50% · 4.625%
HK$5,094
+HK$255/mo
Deposit HK$603K · loan HK$905K · min. income ≈ HK$9,678/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,815
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,964
−HK$152/mo
Today · 4.125%
HK$5,116
baseline
▲ 0.50% · 4.625%
HK$5,428
+HK$312/mo
Deposit HK$452K · loan HK$1.06M · min. income ≈ HK$10,232/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,356
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,500
−HK$146/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,943
+HK$297/mo
Deposit HK$452K · loan HK$1.06M · min. income ≈ HK$11,292/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$195/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,156/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$6,886
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$188/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$382/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,518/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).