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$3,347
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,452
−HK$105/mo
Today · 4.125%
HK$3,557
baseline
▲ 0.50% · 4.625%
HK$3,774
+HK$217/mo
Deposit HK$734K · loan HK$734K · min. income ≈ HK$7,114/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,724
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,824
−HK$101/mo
Today · 4.125%
HK$3,925
baseline
▲ 0.50% · 4.625%
HK$4,132
+HK$207/mo
Deposit HK$734K · loan HK$734K · min. income ≈ HK$7,850/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,017
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,142
−HK$127/mo
Today · 4.125%
HK$4,269
baseline
▲ 0.50% · 4.625%
HK$4,529
+HK$260/mo
Deposit HK$587K · loan HK$881K · min. income ≈ HK$8,538/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,469
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,589
−HK$121/mo
Today · 4.125%
HK$4,710
baseline
▲ 0.50% · 4.625%
HK$4,959
+HK$249/mo
Deposit HK$587K · loan HK$881K · min. income ≈ HK$9,420/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,686
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$148/mo
Today · 4.125%
HK$4,980
baseline
▲ 0.50% · 4.625%
HK$5,283
+HK$303/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,960/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$5,214
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,354
−HK$141/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$290/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,990/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$6,025
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,213
−HK$190/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,793
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,806/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$6,703
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,883
−HK$182/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,438
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,130/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).