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$3,417
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,524
−HK$108/mo
Today · 4.125%
HK$3,632
baseline
▲ 0.50% · 4.625%
HK$3,852
+HK$220/mo
Deposit HK$749K · loan HK$749K · min. income ≈ HK$7,264/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,802
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,904
−HK$103/mo
Today · 4.125%
HK$4,007
baseline
▲ 0.50% · 4.625%
HK$4,218
+HK$211/mo
Deposit HK$749K · loan HK$749K · min. income ≈ HK$8,014/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,101
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,228
−HK$130/mo
Today · 4.125%
HK$4,358
baseline
▲ 0.50% · 4.625%
HK$4,623
+HK$265/mo
Deposit HK$599K · loan HK$899K · min. income ≈ HK$8,716/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,562
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,684
−HK$124/mo
Today · 4.125%
HK$4,808
baseline
▲ 0.50% · 4.625%
HK$5,062
+HK$254/mo
Deposit HK$599K · loan HK$899K · min. income ≈ HK$9,616/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,784
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,933
−HK$151/mo
Today · 4.125%
HK$5,084
baseline
▲ 0.50% · 4.625%
HK$5,393
+HK$309/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$10,168/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,322
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,465
−HK$145/mo
Today · 4.125%
HK$5,610
baseline
▲ 0.50% · 4.625%
HK$5,906
+HK$296/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$11,220/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,151
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,342
−HK$195/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,934
+HK$397/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,074/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,843
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,026
−HK$187/mo
Today · 4.125%
HK$7,213
baseline
▲ 0.50% · 4.625%
HK$7,593
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,426/mo (50% DSR)
Upfront cash ≈ HK$150K (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).