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$3,350
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,454
−HK$106/mo
Today · 4.125%
HK$3,560
baseline
▲ 0.50% · 4.625%
HK$3,776
+HK$216/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,120/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,727
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,827
−HK$101/mo
Today · 4.125%
HK$3,928
baseline
▲ 0.50% · 4.625%
HK$4,135
+HK$207/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,856/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,020
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,145
−HK$127/mo
Today · 4.125%
HK$4,272
baseline
▲ 0.50% · 4.625%
HK$4,532
+HK$260/mo
Deposit HK$588K · loan HK$881K · min. income ≈ HK$8,544/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,472
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,592
−HK$122/mo
Today · 4.125%
HK$4,714
baseline
▲ 0.50% · 4.625%
HK$4,962
+HK$248/mo
Deposit HK$588K · loan HK$881K · min. income ≈ HK$9,428/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,690
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,836
−HK$148/mo
Today · 4.125%
HK$4,984
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$303/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$9,968/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,217
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$142/mo
Today · 4.125%
HK$5,499
baseline
▲ 0.50% · 4.625%
HK$5,789
+HK$290/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$10,998/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,030
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,217
−HK$191/mo
Today · 4.125%
HK$6,408
baseline
▲ 0.50% · 4.625%
HK$6,798
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,816/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$6,708
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,888
−HK$182/mo
Today · 4.125%
HK$7,070
baseline
▲ 0.50% · 4.625%
HK$7,443
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,140/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).