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$3,433
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,539
−HK$109/mo
Today · 4.125%
HK$3,648
baseline
▲ 0.50% · 4.625%
HK$3,870
+HK$222/mo
Deposit HK$753K · loan HK$753K · min. income ≈ HK$7,296/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,819
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,921
−HK$104/mo
Today · 4.125%
HK$4,025
baseline
▲ 0.50% · 4.625%
HK$4,237
+HK$212/mo
Deposit HK$753K · loan HK$753K · min. income ≈ HK$8,050/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,119
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,247
−HK$131/mo
Today · 4.125%
HK$4,378
baseline
▲ 0.50% · 4.625%
HK$4,644
+HK$266/mo
Deposit HK$602K · loan HK$903K · min. income ≈ HK$8,756/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,583
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,705
−HK$125/mo
Today · 4.125%
HK$4,830
baseline
▲ 0.50% · 4.625%
HK$5,085
+HK$255/mo
Deposit HK$602K · loan HK$903K · min. income ≈ HK$9,660/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,806
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,955
−HK$152/mo
Today · 4.125%
HK$5,107
baseline
▲ 0.50% · 4.625%
HK$5,418
+HK$311/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$10,214/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,346
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,490
−HK$145/mo
Today · 4.125%
HK$5,635
baseline
▲ 0.50% · 4.625%
HK$5,932
+HK$297/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$11,270/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,179
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$195/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$400/mo
Deposit HK$151K · loan HK$1.35M · min. income ≈ HK$13,132/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,874
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$187/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$382/mo
Deposit HK$151K · loan HK$1.35M · min. income ≈ HK$14,490/mo (50% DSR)
Upfront cash ≈ HK$151K (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).