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$3,275
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,377
−HK$103/mo
Today · 4.125%
HK$3,480
baseline
▲ 0.50% · 4.625%
HK$3,692
+HK$212/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$6,960/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,643
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,741
−HK$99/mo
Today · 4.125%
HK$3,840
baseline
▲ 0.50% · 4.625%
HK$4,042
+HK$202/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$7,680/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,930
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,052
−HK$124/mo
Today · 4.125%
HK$4,176
baseline
▲ 0.50% · 4.625%
HK$4,430
+HK$254/mo
Deposit HK$574K · loan HK$862K · min. income ≈ HK$8,352/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,372
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,489
−HK$119/mo
Today · 4.125%
HK$4,608
baseline
▲ 0.50% · 4.625%
HK$4,851
+HK$243/mo
Deposit HK$574K · loan HK$862K · min. income ≈ HK$9,216/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,585
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,727
−HK$145/mo
Today · 4.125%
HK$4,872
baseline
▲ 0.50% · 4.625%
HK$5,168
+HK$296/mo
Deposit HK$431K · loan HK$1.01M · min. income ≈ HK$9,744/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,100
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,237
−HK$139/mo
Today · 4.125%
HK$5,376
baseline
▲ 0.50% · 4.625%
HK$5,659
+HK$283/mo
Deposit HK$431K · loan HK$1.01M · min. income ≈ HK$10,752/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,894
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,078
−HK$186/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,645
+HK$381/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$12,528/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,557
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$179/mo
Today · 4.125%
HK$6,912
baseline
▲ 0.50% · 4.625%
HK$7,276
+HK$364/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$13,824/mo (50% DSR)
Upfront cash ≈ HK$144K (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).