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$3,284
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,386
−HK$103/mo
Today · 4.125%
HK$3,489
baseline
▲ 0.50% · 4.625%
HK$3,702
+HK$213/mo
Deposit HK$720K · loan HK$720K · min. income ≈ HK$6,978/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,653
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,751
−HK$99/mo
Today · 4.125%
HK$3,850
baseline
▲ 0.50% · 4.625%
HK$4,053
+HK$203/mo
Deposit HK$720K · loan HK$720K · min. income ≈ HK$7,700/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,940
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,063
−HK$124/mo
Today · 4.125%
HK$4,187
baseline
▲ 0.50% · 4.625%
HK$4,442
+HK$255/mo
Deposit HK$576K · loan HK$864K · min. income ≈ HK$8,374/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,384
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,501
−HK$119/mo
Today · 4.125%
HK$4,620
baseline
▲ 0.50% · 4.625%
HK$4,864
+HK$244/mo
Deposit HK$576K · loan HK$864K · min. income ≈ HK$9,240/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,597
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,740
−HK$145/mo
Today · 4.125%
HK$4,885
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$298/mo
Deposit HK$432K · loan HK$1.01M · min. income ≈ HK$9,770/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,114
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,251
−HK$139/mo
Today · 4.125%
HK$5,390
baseline
▲ 0.50% · 4.625%
HK$5,675
+HK$285/mo
Deposit HK$432K · loan HK$1.01M · min. income ≈ HK$10,780/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,910
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,094
−HK$187/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,663
+HK$382/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$12,562/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,575
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,752
−HK$179/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,296
+HK$365/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$13,862/mo (50% DSR)
Upfront cash ≈ HK$144K (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).