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$3,311
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,414
−HK$105/mo
Today · 4.125%
HK$3,519
baseline
▲ 0.50% · 4.625%
HK$3,733
+HK$214/mo
Deposit HK$726K · loan HK$726K · min. income ≈ HK$7,038/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$3,684
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,783
−HK$100/mo
Today · 4.125%
HK$3,883
baseline
▲ 0.50% · 4.625%
HK$4,088
+HK$205/mo
Deposit HK$726K · loan HK$726K · min. income ≈ HK$7,766/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$249/mo
▼ 0.25% · 3.875%
HK$4,097
−HK$126/mo
Today · 4.125%
HK$4,223
baseline
▲ 0.50% · 4.625%
HK$4,480
+HK$257/mo
Deposit HK$581K · loan HK$871K · min. income ≈ HK$8,446/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$238/mo
▼ 0.25% · 3.875%
HK$4,539
−HK$120/mo
Today · 4.125%
HK$4,659
baseline
▲ 0.50% · 4.625%
HK$4,905
+HK$246/mo
Deposit HK$581K · loan HK$871K · min. income ≈ HK$9,318/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$4,636
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,780
−HK$147/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,226
+HK$299/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$5,157
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,296
−HK$140/mo
Today · 4.125%
HK$5,436
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$287/mo
Deposit HK$436K · loan HK$1.02M · min. income ≈ HK$10,872/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$5,960
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,146
−HK$188/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,720
+HK$386/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,668/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$6,631
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,809
−HK$180/mo
Today · 4.125%
HK$6,989
baseline
▲ 0.50% · 4.625%
HK$7,358
+HK$369/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,978/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).