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$3,451
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,559
−HK$109/mo
Today · 4.125%
HK$3,668
baseline
▲ 0.50% · 4.625%
HK$3,891
+HK$223/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$7,336/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,840
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,943
−HK$104/mo
Today · 4.125%
HK$4,047
baseline
▲ 0.50% · 4.625%
HK$4,260
+HK$213/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$8,094/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,142
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,271
−HK$130/mo
Today · 4.125%
HK$4,401
baseline
▲ 0.50% · 4.625%
HK$4,669
+HK$268/mo
Deposit HK$605K · loan HK$908K · min. income ≈ HK$8,802/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,608
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,731
−HK$126/mo
Today · 4.125%
HK$4,857
baseline
▲ 0.50% · 4.625%
HK$5,112
+HK$255/mo
Deposit HK$605K · loan HK$908K · min. income ≈ HK$9,714/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,832
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$153/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,447
+HK$312/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,376
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$146/mo
Today · 4.125%
HK$5,666
baseline
▲ 0.50% · 4.625%
HK$5,965
+HK$299/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$11,332/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,213
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,406
−HK$196/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$7,004
+HK$402/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,204/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,911
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,097
−HK$188/mo
Today · 4.125%
HK$7,285
baseline
▲ 0.50% · 4.625%
HK$7,669
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,570/mo (50% DSR)
Upfront cash ≈ HK$151K (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).