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$3,327
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,430
−HK$105/mo
Today · 4.125%
HK$3,535
baseline
▲ 0.50% · 4.625%
HK$3,751
+HK$216/mo
Deposit HK$729K · loan HK$729K · min. income ≈ HK$7,070/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,701
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,800
−HK$101/mo
Today · 4.125%
HK$3,901
baseline
▲ 0.50% · 4.625%
HK$4,107
+HK$206/mo
Deposit HK$729K · loan HK$729K · min. income ≈ HK$7,802/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,992
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,116
−HK$126/mo
Today · 4.125%
HK$4,242
baseline
▲ 0.50% · 4.625%
HK$4,501
+HK$259/mo
Deposit HK$584K · loan HK$875K · min. income ≈ HK$8,484/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,441
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,560
−HK$121/mo
Today · 4.125%
HK$4,681
baseline
▲ 0.50% · 4.625%
HK$4,928
+HK$247/mo
Deposit HK$584K · loan HK$875K · min. income ≈ HK$9,362/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,657
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,802
−HK$148/mo
Today · 4.125%
HK$4,950
baseline
▲ 0.50% · 4.625%
HK$5,251
+HK$301/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$9,900/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,181
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,320
−HK$141/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,749
+HK$288/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$10,922/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,988
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,174
−HK$190/mo
Today · 4.125%
HK$6,364
baseline
▲ 0.50% · 4.625%
HK$6,751
+HK$387/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$12,728/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,662
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$182/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$370/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$14,044/mo (50% DSR)
Upfront cash ≈ HK$146K (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).