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$3,277
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,379
−HK$104/mo
Today · 4.125%
HK$3,483
baseline
▲ 0.50% · 4.625%
HK$3,695
+HK$212/mo
Deposit HK$719K · loan HK$719K · min. income ≈ HK$6,966/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,646
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,744
−HK$99/mo
Today · 4.125%
HK$3,843
baseline
▲ 0.50% · 4.625%
HK$4,045
+HK$202/mo
Deposit HK$719K · loan HK$719K · min. income ≈ HK$7,686/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,933
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,055
−HK$124/mo
Today · 4.125%
HK$4,179
baseline
▲ 0.50% · 4.625%
HK$4,433
+HK$254/mo
Deposit HK$575K · loan HK$862K · min. income ≈ HK$8,358/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,375
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,492
−HK$119/mo
Today · 4.125%
HK$4,611
baseline
▲ 0.50% · 4.625%
HK$4,854
+HK$243/mo
Deposit HK$575K · loan HK$862K · min. income ≈ HK$9,222/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,588
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,731
−HK$145/mo
Today · 4.125%
HK$4,876
baseline
▲ 0.50% · 4.625%
HK$5,172
+HK$296/mo
Deposit HK$431K · loan HK$1.01M · min. income ≈ HK$9,752/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,104
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,241
−HK$139/mo
Today · 4.125%
HK$5,380
baseline
▲ 0.50% · 4.625%
HK$5,663
+HK$283/mo
Deposit HK$431K · loan HK$1.01M · min. income ≈ HK$10,760/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,899
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,082
−HK$187/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,650
+HK$381/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$12,538/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,562
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$179/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$365/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$13,834/mo (50% DSR)
Upfront cash ≈ HK$144K (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).