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$3,308
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,411
−HK$104/mo
Today · 4.125%
HK$3,515
baseline
▲ 0.50% · 4.625%
HK$3,729
+HK$214/mo
Deposit HK$725K · loan HK$725K · min. income ≈ HK$7,030/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,680
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,779
−HK$100/mo
Today · 4.125%
HK$3,879
baseline
▲ 0.50% · 4.625%
HK$4,083
+HK$204/mo
Deposit HK$725K · loan HK$725K · min. income ≈ HK$7,758/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,969
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,093
−HK$125/mo
Today · 4.125%
HK$4,218
baseline
▲ 0.50% · 4.625%
HK$4,475
+HK$257/mo
Deposit HK$580K · loan HK$870K · min. income ≈ HK$8,436/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,416
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,534
−HK$120/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,900
+HK$246/mo
Deposit HK$580K · loan HK$870K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,631
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,775
−HK$146/mo
Today · 4.125%
HK$4,921
baseline
▲ 0.50% · 4.625%
HK$5,221
+HK$300/mo
Deposit HK$435K · loan HK$1.02M · min. income ≈ HK$9,842/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,152
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,290
−HK$140/mo
Today · 4.125%
HK$5,430
baseline
▲ 0.50% · 4.625%
HK$5,716
+HK$286/mo
Deposit HK$435K · loan HK$1.02M · min. income ≈ HK$10,860/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,954
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,139
−HK$188/mo
Today · 4.125%
HK$6,327
baseline
▲ 0.50% · 4.625%
HK$6,712
+HK$385/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,654/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$6,624
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$181/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,350
+HK$368/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,964/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).