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$3,485
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,593
−HK$111/mo
Today · 4.125%
HK$3,704
baseline
▲ 0.50% · 4.625%
HK$3,929
+HK$225/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,408/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,877
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,981
−HK$105/mo
Today · 4.125%
HK$4,086
baseline
▲ 0.50% · 4.625%
HK$4,302
+HK$216/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,172/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,182
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,312
−HK$132/mo
Today · 4.125%
HK$4,444
baseline
▲ 0.50% · 4.625%
HK$4,715
+HK$271/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$8,888/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,652
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,777
−HK$127/mo
Today · 4.125%
HK$4,904
baseline
▲ 0.50% · 4.625%
HK$5,162
+HK$258/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$9,808/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,879
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$154/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,500
+HK$315/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,370/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,428
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,573
−HK$148/mo
Today · 4.125%
HK$5,721
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$302/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,442/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,273
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$198/mo
Today · 4.125%
HK$6,666
baseline
▲ 0.50% · 4.625%
HK$7,072
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,332/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,979
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$190/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,743
+HK$387/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,712/mo (50% DSR)
Upfront cash ≈ HK$153K (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).