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$3,342
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,446
−HK$105/mo
Today · 4.125%
HK$3,551
baseline
▲ 0.50% · 4.625%
HK$3,768
+HK$217/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,102/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,718
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,818
−HK$101/mo
Today · 4.125%
HK$3,919
baseline
▲ 0.50% · 4.625%
HK$4,125
+HK$206/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,838/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,010
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,135
−HK$127/mo
Today · 4.125%
HK$4,262
baseline
▲ 0.50% · 4.625%
HK$4,521
+HK$259/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$8,524/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,461
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,581
−HK$121/mo
Today · 4.125%
HK$4,702
baseline
▲ 0.50% · 4.625%
HK$4,950
+HK$248/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$9,404/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,679
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,824
−HK$148/mo
Today · 4.125%
HK$4,972
baseline
▲ 0.50% · 4.625%
HK$5,275
+HK$303/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,944/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,205
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,345
−HK$141/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,775
+HK$289/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,972/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,015
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$190/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,786/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,692
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$182/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$371/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,108/mo (50% DSR)
Upfront cash ≈ HK$147K (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).