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$3,287
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,389
−HK$104/mo
Today · 4.125%
HK$3,493
baseline
▲ 0.50% · 4.625%
HK$3,706
+HK$213/mo
Deposit HK$721K · loan HK$721K · min. income ≈ HK$6,986/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,657
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,755
−HK$99/mo
Today · 4.125%
HK$3,854
baseline
▲ 0.50% · 4.625%
HK$4,057
+HK$203/mo
Deposit HK$721K · loan HK$721K · min. income ≈ HK$7,708/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,944
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,067
−HK$125/mo
Today · 4.125%
HK$4,192
baseline
▲ 0.50% · 4.625%
HK$4,447
+HK$255/mo
Deposit HK$577K · loan HK$865K · min. income ≈ HK$8,384/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,388
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,506
−HK$119/mo
Today · 4.125%
HK$4,625
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$244/mo
Deposit HK$577K · loan HK$865K · min. income ≈ HK$9,250/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,602
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,745
−HK$145/mo
Today · 4.125%
HK$4,890
baseline
▲ 0.50% · 4.625%
HK$5,188
+HK$298/mo
Deposit HK$432K · loan HK$1.01M · min. income ≈ HK$9,780/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,119
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$139/mo
Today · 4.125%
HK$5,396
baseline
▲ 0.50% · 4.625%
HK$5,680
+HK$284/mo
Deposit HK$432K · loan HK$1.01M · min. income ≈ HK$10,792/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,917
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,101
−HK$187/mo
Today · 4.125%
HK$6,288
baseline
▲ 0.50% · 4.625%
HK$6,670
+HK$382/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$12,576/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$6,582
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,759
−HK$179/mo
Today · 4.125%
HK$6,938
baseline
▲ 0.50% · 4.625%
HK$7,303
+HK$365/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$13,876/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).