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$3,484
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,592
−HK$110/mo
Today · 4.125%
HK$3,702
baseline
▲ 0.50% · 4.625%
HK$3,928
+HK$226/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,404/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,876
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,980
−HK$105/mo
Today · 4.125%
HK$4,085
baseline
▲ 0.50% · 4.625%
HK$4,300
+HK$215/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,170/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,181
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,311
−HK$132/mo
Today · 4.125%
HK$4,443
baseline
▲ 0.50% · 4.625%
HK$4,713
+HK$270/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$8,886/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,651
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$126/mo
Today · 4.125%
HK$4,902
baseline
▲ 0.50% · 4.625%
HK$5,161
+HK$259/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$9,804/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,877
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,029
−HK$154/mo
Today · 4.125%
HK$5,183
baseline
▲ 0.50% · 4.625%
HK$5,499
+HK$316/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,366/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,426
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,572
−HK$147/mo
Today · 4.125%
HK$5,719
baseline
▲ 0.50% · 4.625%
HK$6,021
+HK$302/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,438/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,271
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,466
−HK$198/mo
Today · 4.125%
HK$6,664
baseline
▲ 0.50% · 4.625%
HK$7,070
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,328/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,976
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,163
−HK$190/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,706/mo (50% DSR)
Upfront cash ≈ HK$153K (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).