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$3,523
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,632
−HK$112/mo
Today · 4.125%
HK$3,744
baseline
▲ 0.50% · 4.625%
HK$3,971
+HK$227/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$7,488/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,919
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,024
−HK$107/mo
Today · 4.125%
HK$4,131
baseline
▲ 0.50% · 4.625%
HK$4,348
+HK$217/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$8,262/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,227
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,359
−HK$133/mo
Today · 4.125%
HK$4,492
baseline
▲ 0.50% · 4.625%
HK$4,766
+HK$274/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$8,984/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,703
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,829
−HK$128/mo
Today · 4.125%
HK$4,957
baseline
▲ 0.50% · 4.625%
HK$5,218
+HK$261/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$9,914/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,932
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$156/mo
Today · 4.125%
HK$5,241
baseline
▲ 0.50% · 4.625%
HK$5,560
+HK$319/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,482/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,486
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,634
−HK$149/mo
Today · 4.125%
HK$5,783
baseline
▲ 0.50% · 4.625%
HK$6,088
+HK$305/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,566/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,341
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$200/mo
Today · 4.125%
HK$6,738
baseline
▲ 0.50% · 4.625%
HK$7,148
+HK$410/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,476/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,054
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$192/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$392/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,870/mo (50% DSR)
Upfront cash ≈ HK$155K (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).