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$3,448
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,555
−HK$109/mo
Today · 4.125%
HK$3,664
baseline
▲ 0.50% · 4.625%
HK$3,887
+HK$223/mo
Deposit HK$756K · loan HK$756K · min. income ≈ HK$7,328/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,836
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,938
−HK$105/mo
Today · 4.125%
HK$4,043
baseline
▲ 0.50% · 4.625%
HK$4,256
+HK$213/mo
Deposit HK$756K · loan HK$756K · min. income ≈ HK$8,086/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,137
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,266
−HK$131/mo
Today · 4.125%
HK$4,397
baseline
▲ 0.50% · 4.625%
HK$4,664
+HK$267/mo
Deposit HK$605K · loan HK$907K · min. income ≈ HK$8,794/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,603
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,726
−HK$125/mo
Today · 4.125%
HK$4,851
baseline
▲ 0.50% · 4.625%
HK$5,107
+HK$256/mo
Deposit HK$605K · loan HK$907K · min. income ≈ HK$9,702/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,827
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,977
−HK$153/mo
Today · 4.125%
HK$5,130
baseline
▲ 0.50% · 4.625%
HK$5,442
+HK$312/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$10,260/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,370
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,514
−HK$146/mo
Today · 4.125%
HK$5,660
baseline
▲ 0.50% · 4.625%
HK$5,958
+HK$298/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$11,320/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,206
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$196/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,996
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,190/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,904
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,089
−HK$188/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,661
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,554/mo (50% DSR)
Upfront cash ≈ HK$151K (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).