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$3,262
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,364
−HK$103/mo
Today · 4.125%
HK$3,467
baseline
▲ 0.50% · 4.625%
HK$3,678
+HK$211/mo
Deposit HK$715K · loan HK$715K · min. income ≈ HK$6,934/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,629
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,726
−HK$99/mo
Today · 4.125%
HK$3,825
baseline
▲ 0.50% · 4.625%
HK$4,027
+HK$202/mo
Deposit HK$715K · loan HK$715K · min. income ≈ HK$7,650/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,915
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,036
−HK$124/mo
Today · 4.125%
HK$4,160
baseline
▲ 0.50% · 4.625%
HK$4,413
+HK$253/mo
Deposit HK$572K · loan HK$858K · min. income ≈ HK$8,320/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,355
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,472
−HK$118/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,832
+HK$242/mo
Deposit HK$572K · loan HK$858K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,567
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,709
−HK$144/mo
Today · 4.125%
HK$4,853
baseline
▲ 0.50% · 4.625%
HK$5,149
+HK$296/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$9,706/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,081
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,217
−HK$138/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,638
+HK$283/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$10,710/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,872
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,055
−HK$185/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,620
+HK$380/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,480/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,532
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,708
−HK$177/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$363/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,770/mo (50% DSR)
Upfront cash ≈ HK$143K (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).