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$3,386
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,491
−HK$107/mo
Today · 4.125%
HK$3,598
baseline
▲ 0.50% · 4.625%
HK$3,817
+HK$219/mo
Deposit HK$742K · loan HK$742K · min. income ≈ HK$7,196/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,767
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,868
−HK$103/mo
Today · 4.125%
HK$3,971
baseline
▲ 0.50% · 4.625%
HK$4,180
+HK$209/mo
Deposit HK$742K · loan HK$742K · min. income ≈ HK$7,942/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,063
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,190
−HK$128/mo
Today · 4.125%
HK$4,318
baseline
▲ 0.50% · 4.625%
HK$4,581
+HK$263/mo
Deposit HK$594K · loan HK$891K · min. income ≈ HK$8,636/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,520
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,642
−HK$123/mo
Today · 4.125%
HK$4,765
baseline
▲ 0.50% · 4.625%
HK$5,016
+HK$251/mo
Deposit HK$594K · loan HK$891K · min. income ≈ HK$9,530/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,741
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,888
−HK$150/mo
Today · 4.125%
HK$5,038
baseline
▲ 0.50% · 4.625%
HK$5,344
+HK$306/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$10,076/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,274
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$144/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,852
+HK$293/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$11,118/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,095
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,285
−HK$192/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$394/mo
Deposit HK$148K · loan HK$1.34M · min. income ≈ HK$12,954/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,781
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,963
−HK$184/mo
Today · 4.125%
HK$7,147
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$377/mo
Deposit HK$148K · loan HK$1.34M · min. income ≈ HK$14,294/mo (50% DSR)
Upfront cash ≈ HK$149K (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).