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$3,401
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,507
−HK$107/mo
Today · 4.125%
HK$3,614
baseline
▲ 0.50% · 4.625%
HK$3,834
+HK$220/mo
Deposit HK$746K · loan HK$746K · min. income ≈ HK$7,228/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,784
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,885
−HK$103/mo
Today · 4.125%
HK$3,988
baseline
▲ 0.50% · 4.625%
HK$4,198
+HK$210/mo
Deposit HK$746K · loan HK$746K · min. income ≈ HK$7,976/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,081
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,208
−HK$129/mo
Today · 4.125%
HK$4,337
baseline
▲ 0.50% · 4.625%
HK$4,601
+HK$264/mo
Deposit HK$597K · loan HK$895K · min. income ≈ HK$8,674/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,540
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,662
−HK$124/mo
Today · 4.125%
HK$4,786
baseline
▲ 0.50% · 4.625%
HK$5,038
+HK$252/mo
Deposit HK$597K · loan HK$895K · min. income ≈ HK$9,572/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,761
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,909
−HK$151/mo
Today · 4.125%
HK$5,060
baseline
▲ 0.50% · 4.625%
HK$5,368
+HK$308/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,120/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$5,297
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,439
−HK$144/mo
Today · 4.125%
HK$5,583
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$294/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,166/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$6,122
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$194/mo
Today · 4.125%
HK$6,506
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$395/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$13,012/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$6,810
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$185/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$379/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,356/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).