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$3,502
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,611
−HK$110/mo
Today · 4.125%
HK$3,721
baseline
▲ 0.50% · 4.625%
HK$3,948
+HK$227/mo
Deposit HK$768K · loan HK$768K · min. income ≈ HK$7,442/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,896
−HK$210/mo
▼ 0.25% · 3.875%
HK$4,000
−HK$106/mo
Today · 4.125%
HK$4,106
baseline
▲ 0.50% · 4.625%
HK$4,322
+HK$216/mo
Deposit HK$768K · loan HK$768K · min. income ≈ HK$8,212/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,202
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,333
−HK$132/mo
Today · 4.125%
HK$4,465
baseline
▲ 0.50% · 4.625%
HK$4,737
+HK$272/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$8,930/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,675
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,800
−HK$127/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,187
+HK$260/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$9,854/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,902
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,055
−HK$155/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$317/mo
Deposit HK$461K · loan HK$1.07M · min. income ≈ HK$10,420/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,454
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,600
−HK$148/mo
Today · 4.125%
HK$5,748
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$303/mo
Deposit HK$461K · loan HK$1.07M · min. income ≈ HK$11,496/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,303
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,499
−HK$199/mo
Today · 4.125%
HK$6,698
baseline
▲ 0.50% · 4.625%
HK$7,106
+HK$408/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$13,396/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,012
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$191/mo
Today · 4.125%
HK$7,391
baseline
▲ 0.50% · 4.625%
HK$7,780
+HK$389/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$14,782/mo (50% DSR)
Upfront cash ≈ HK$154K (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).