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$3,343
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,447
−HK$106/mo
Today · 4.125%
HK$3,553
baseline
▲ 0.50% · 4.625%
HK$3,769
+HK$216/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,106/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,719
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,819
−HK$101/mo
Today · 4.125%
HK$3,920
baseline
▲ 0.50% · 4.625%
HK$4,127
+HK$207/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,840/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,012
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$126/mo
Today · 4.125%
HK$4,263
baseline
▲ 0.50% · 4.625%
HK$4,523
+HK$260/mo
Deposit HK$586K · loan HK$880K · min. income ≈ HK$8,526/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$4,463
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,583
−HK$121/mo
Today · 4.125%
HK$4,704
baseline
▲ 0.50% · 4.625%
HK$4,952
+HK$248/mo
Deposit HK$586K · loan HK$880K · min. income ≈ HK$9,408/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$4,680
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$148/mo
Today · 4.125%
HK$4,974
baseline
▲ 0.50% · 4.625%
HK$5,277
+HK$303/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,948/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,207
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,347
−HK$141/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,778
+HK$290/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,976/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,018
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,205
−HK$190/mo
Today · 4.125%
HK$6,395
baseline
▲ 0.50% · 4.625%
HK$6,784
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,790/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$6,695
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$182/mo
Today · 4.125%
HK$7,056
baseline
▲ 0.50% · 4.625%
HK$7,428
+HK$372/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,112/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).