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$3,410
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,516
−HK$108/mo
Today · 4.125%
HK$3,624
baseline
▲ 0.50% · 4.625%
HK$3,844
+HK$220/mo
Deposit HK$748K · loan HK$748K · min. income ≈ HK$7,248/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,793
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,895
−HK$103/mo
Today · 4.125%
HK$3,998
baseline
▲ 0.50% · 4.625%
HK$4,209
+HK$211/mo
Deposit HK$748K · loan HK$748K · min. income ≈ HK$7,996/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,092
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,219
−HK$129/mo
Today · 4.125%
HK$4,348
baseline
▲ 0.50% · 4.625%
HK$4,613
+HK$265/mo
Deposit HK$598K · loan HK$897K · min. income ≈ HK$8,696/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,552
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,674
−HK$124/mo
Today · 4.125%
HK$4,798
baseline
▲ 0.50% · 4.625%
HK$5,051
+HK$253/mo
Deposit HK$598K · loan HK$897K · min. income ≈ HK$9,596/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,774
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$151/mo
Today · 4.125%
HK$5,073
baseline
▲ 0.50% · 4.625%
HK$5,382
+HK$309/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$10,146/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,311
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,453
−HK$145/mo
Today · 4.125%
HK$5,598
baseline
▲ 0.50% · 4.625%
HK$5,893
+HK$295/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$11,196/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,138
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,328
−HK$194/mo
Today · 4.125%
HK$6,522
baseline
▲ 0.50% · 4.625%
HK$6,919
+HK$397/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,044/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$6,828
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$186/mo
Today · 4.125%
HK$7,197
baseline
▲ 0.50% · 4.625%
HK$7,576
+HK$379/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,394/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).