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$3,406
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,512
−HK$108/mo
Today · 4.125%
HK$3,620
baseline
▲ 0.50% · 4.625%
HK$3,840
+HK$220/mo
Deposit HK$747K · loan HK$747K · min. income ≈ HK$7,240/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$3,789
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,891
−HK$103/mo
Today · 4.125%
HK$3,994
baseline
▲ 0.50% · 4.625%
HK$4,204
+HK$210/mo
Deposit HK$747K · loan HK$747K · min. income ≈ HK$7,988/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$4,087
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,214
−HK$130/mo
Today · 4.125%
HK$4,344
baseline
▲ 0.50% · 4.625%
HK$4,608
+HK$264/mo
Deposit HK$597K · loan HK$896K · min. income ≈ HK$8,688/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$4,547
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,669
−HK$124/mo
Today · 4.125%
HK$4,793
baseline
▲ 0.50% · 4.625%
HK$5,045
+HK$252/mo
Deposit HK$597K · loan HK$896K · min. income ≈ HK$9,586/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$4,769
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$151/mo
Today · 4.125%
HK$5,068
baseline
▲ 0.50% · 4.625%
HK$5,376
+HK$308/mo
Deposit HK$448K · loan HK$1.05M · min. income ≈ HK$10,136/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,305
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,447
−HK$145/mo
Today · 4.125%
HK$5,592
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$294/mo
Deposit HK$448K · loan HK$1.05M · min. income ≈ HK$11,184/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,131
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$193/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$397/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$13,030/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,821
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,004
−HK$185/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$379/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,378/mo (50% DSR)
Upfront cash ≈ HK$149K (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).