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$3,468
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,575
−HK$110/mo
Today · 4.125%
HK$3,685
baseline
▲ 0.50% · 4.625%
HK$3,909
+HK$224/mo
Deposit HK$760K · loan HK$760K · min. income ≈ HK$7,370/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,858
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,961
−HK$105/mo
Today · 4.125%
HK$4,066
baseline
▲ 0.50% · 4.625%
HK$4,280
+HK$214/mo
Deposit HK$760K · loan HK$760K · min. income ≈ HK$8,132/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,161
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,291
−HK$131/mo
Today · 4.125%
HK$4,422
baseline
▲ 0.50% · 4.625%
HK$4,691
+HK$269/mo
Deposit HK$608K · loan HK$912K · min. income ≈ HK$8,844/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,629
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,753
−HK$126/mo
Today · 4.125%
HK$4,879
baseline
▲ 0.50% · 4.625%
HK$5,137
+HK$258/mo
Deposit HK$608K · loan HK$912K · min. income ≈ HK$9,758/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,855
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,006
−HK$153/mo
Today · 4.125%
HK$5,159
baseline
▲ 0.50% · 4.625%
HK$5,473
+HK$314/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$10,318/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,401
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,546
−HK$147/mo
Today · 4.125%
HK$5,693
baseline
▲ 0.50% · 4.625%
HK$5,993
+HK$300/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$11,386/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,242
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$197/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$404/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,266/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$6,944
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$189/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,638/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).