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$3,314
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,417
−HK$105/mo
Today · 4.125%
HK$3,522
baseline
▲ 0.50% · 4.625%
HK$3,736
+HK$214/mo
Deposit HK$727K · loan HK$727K · min. income ≈ HK$7,044/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,687
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,786
−HK$100/mo
Today · 4.125%
HK$3,886
baseline
▲ 0.50% · 4.625%
HK$4,091
+HK$205/mo
Deposit HK$727K · loan HK$727K · min. income ≈ HK$7,772/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,977
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,100
−HK$126/mo
Today · 4.125%
HK$4,226
baseline
▲ 0.50% · 4.625%
HK$4,483
+HK$257/mo
Deposit HK$581K · loan HK$872K · min. income ≈ HK$8,452/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,424
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,543
−HK$120/mo
Today · 4.125%
HK$4,663
baseline
▲ 0.50% · 4.625%
HK$4,909
+HK$246/mo
Deposit HK$581K · loan HK$872K · min. income ≈ HK$9,326/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,640
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,784
−HK$147/mo
Today · 4.125%
HK$4,931
baseline
▲ 0.50% · 4.625%
HK$5,231
+HK$300/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$9,862/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,161
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,300
−HK$140/mo
Today · 4.125%
HK$5,440
baseline
▲ 0.50% · 4.625%
HK$5,727
+HK$287/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$10,880/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,965
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,151
−HK$188/mo
Today · 4.125%
HK$6,339
baseline
▲ 0.50% · 4.625%
HK$6,725
+HK$386/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,678/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,636
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$181/mo
Today · 4.125%
HK$6,995
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$368/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,990/mo (50% DSR)
Upfront cash ≈ HK$145K (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).