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$3,408
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,514
−HK$108/mo
Today · 4.125%
HK$3,622
baseline
▲ 0.50% · 4.625%
HK$3,843
+HK$221/mo
Deposit HK$747K · loan HK$747K · min. income ≈ HK$7,244/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,792
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,894
−HK$103/mo
Today · 4.125%
HK$3,997
baseline
▲ 0.50% · 4.625%
HK$4,207
+HK$210/mo
Deposit HK$747K · loan HK$747K · min. income ≈ HK$7,994/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,090
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,217
−HK$130/mo
Today · 4.125%
HK$4,347
baseline
▲ 0.50% · 4.625%
HK$4,611
+HK$264/mo
Deposit HK$598K · loan HK$897K · min. income ≈ HK$8,694/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,550
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,672
−HK$124/mo
Today · 4.125%
HK$4,796
baseline
▲ 0.50% · 4.625%
HK$5,049
+HK$253/mo
Deposit HK$598K · loan HK$897K · min. income ≈ HK$9,592/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,772
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,920
−HK$151/mo
Today · 4.125%
HK$5,071
baseline
▲ 0.50% · 4.625%
HK$5,380
+HK$309/mo
Deposit HK$448K · loan HK$1.05M · min. income ≈ HK$10,142/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,309
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,451
−HK$144/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,890
+HK$295/mo
Deposit HK$448K · loan HK$1.05M · min. income ≈ HK$11,190/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,135
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,326
−HK$194/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$397/mo
Deposit HK$149K · loan HK$1.35M · min. income ≈ HK$13,040/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,825
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,008
−HK$186/mo
Today · 4.125%
HK$7,194
baseline
▲ 0.50% · 4.625%
HK$7,573
+HK$379/mo
Deposit HK$149K · loan HK$1.35M · min. income ≈ HK$14,388/mo (50% DSR)
Upfront cash ≈ HK$150K (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).