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$3,472
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,580
−HK$110/mo
Today · 4.125%
HK$3,690
baseline
▲ 0.50% · 4.625%
HK$3,914
+HK$224/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$7,380/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,863
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,966
−HK$105/mo
Today · 4.125%
HK$4,071
baseline
▲ 0.50% · 4.625%
HK$4,286
+HK$215/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$8,142/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,167
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,296
−HK$132/mo
Today · 4.125%
HK$4,428
baseline
▲ 0.50% · 4.625%
HK$4,697
+HK$269/mo
Deposit HK$609K · loan HK$914K · min. income ≈ HK$8,856/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,635
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,760
−HK$126/mo
Today · 4.125%
HK$4,886
baseline
▲ 0.50% · 4.625%
HK$5,143
+HK$257/mo
Deposit HK$609K · loan HK$914K · min. income ≈ HK$9,772/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,861
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,012
−HK$154/mo
Today · 4.125%
HK$5,166
baseline
▲ 0.50% · 4.625%
HK$5,480
+HK$314/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$10,332/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,408
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,553
−HK$147/mo
Today · 4.125%
HK$5,700
baseline
▲ 0.50% · 4.625%
HK$6,000
+HK$300/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$11,400/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,250
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$198/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$7,046
+HK$404/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,284/mo (50% DSR)
Upfront cash ≈ HK$152K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,953
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,139
−HK$190/mo
Today · 4.125%
HK$7,329
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,658/mo (50% DSR)
Upfront cash ≈ HK$152K (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).