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$3,341
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,445
−HK$106/mo
Today · 4.125%
HK$3,551
baseline
▲ 0.50% · 4.625%
HK$3,767
+HK$216/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,102/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,717
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,817
−HK$101/mo
Today · 4.125%
HK$3,918
baseline
▲ 0.50% · 4.625%
HK$4,125
+HK$207/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,836/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,010
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,134
−HK$127/mo
Today · 4.125%
HK$4,261
baseline
▲ 0.50% · 4.625%
HK$4,520
+HK$259/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$8,522/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,461
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,580
−HK$122/mo
Today · 4.125%
HK$4,702
baseline
▲ 0.50% · 4.625%
HK$4,950
+HK$248/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$9,404/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,678
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,823
−HK$148/mo
Today · 4.125%
HK$4,971
baseline
▲ 0.50% · 4.625%
HK$5,274
+HK$303/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,942/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,204
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$141/mo
Today · 4.125%
HK$5,485
baseline
▲ 0.50% · 4.625%
HK$5,774
+HK$289/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,970/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,014
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$190/mo
Today · 4.125%
HK$6,392
baseline
▲ 0.50% · 4.625%
HK$6,781
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,784/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,691
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,871
−HK$182/mo
Today · 4.125%
HK$7,053
baseline
▲ 0.50% · 4.625%
HK$7,424
+HK$371/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,106/mo (50% DSR)
Upfront cash ≈ HK$147K (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).