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$3,312
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,415
−HK$105/mo
Today · 4.125%
HK$3,520
baseline
▲ 0.50% · 4.625%
HK$3,734
+HK$214/mo
Deposit HK$726K · loan HK$726K · min. income ≈ HK$7,040/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,685
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,783
−HK$101/mo
Today · 4.125%
HK$3,884
baseline
▲ 0.50% · 4.625%
HK$4,088
+HK$204/mo
Deposit HK$726K · loan HK$726K · min. income ≈ HK$7,768/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,974
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,098
−HK$126/mo
Today · 4.125%
HK$4,224
baseline
▲ 0.50% · 4.625%
HK$4,481
+HK$257/mo
Deposit HK$581K · loan HK$871K · min. income ≈ HK$8,448/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,421
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,540
−HK$120/mo
Today · 4.125%
HK$4,660
baseline
▲ 0.50% · 4.625%
HK$4,906
+HK$246/mo
Deposit HK$581K · loan HK$871K · min. income ≈ HK$9,320/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,637
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$146/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,227
+HK$300/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$9,854/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,158
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,297
−HK$140/mo
Today · 4.125%
HK$5,437
baseline
▲ 0.50% · 4.625%
HK$5,724
+HK$287/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$10,874/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,961
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,147
−HK$188/mo
Today · 4.125%
HK$6,335
baseline
▲ 0.50% · 4.625%
HK$6,721
+HK$386/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,670/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$6,632
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$180/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$369/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,980/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).