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$3,330
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,434
−HK$105/mo
Today · 4.125%
HK$3,539
baseline
▲ 0.50% · 4.625%
HK$3,755
+HK$216/mo
Deposit HK$730K · loan HK$730K · min. income ≈ HK$7,078/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,705
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,804
−HK$101/mo
Today · 4.125%
HK$3,905
baseline
▲ 0.50% · 4.625%
HK$4,111
+HK$206/mo
Deposit HK$730K · loan HK$730K · min. income ≈ HK$7,810/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,996
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,121
−HK$126/mo
Today · 4.125%
HK$4,247
baseline
▲ 0.50% · 4.625%
HK$4,505
+HK$258/mo
Deposit HK$584K · loan HK$876K · min. income ≈ HK$8,494/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,446
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,565
−HK$121/mo
Today · 4.125%
HK$4,686
baseline
▲ 0.50% · 4.625%
HK$4,933
+HK$247/mo
Deposit HK$584K · loan HK$876K · min. income ≈ HK$9,372/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,663
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,808
−HK$147/mo
Today · 4.125%
HK$4,955
baseline
▲ 0.50% · 4.625%
HK$5,256
+HK$301/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$9,910/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,187
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$141/mo
Today · 4.125%
HK$5,467
baseline
▲ 0.50% · 4.625%
HK$5,755
+HK$288/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$10,934/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,995
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,181
−HK$190/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,758
+HK$387/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$12,742/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,669
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$181/mo
Today · 4.125%
HK$7,029
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$371/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$14,058/mo (50% DSR)
Upfront cash ≈ HK$146K (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).