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$3,331
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,435
−HK$105/mo
Today · 4.125%
HK$3,540
baseline
▲ 0.50% · 4.625%
HK$3,755
+HK$215/mo
Deposit HK$730K · loan HK$730K · min. income ≈ HK$7,080/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,706
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,805
−HK$101/mo
Today · 4.125%
HK$3,906
baseline
▲ 0.50% · 4.625%
HK$4,112
+HK$206/mo
Deposit HK$730K · loan HK$730K · min. income ≈ HK$7,812/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,997
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,122
−HK$126/mo
Today · 4.125%
HK$4,248
baseline
▲ 0.50% · 4.625%
HK$4,506
+HK$258/mo
Deposit HK$584K · loan HK$876K · min. income ≈ HK$8,496/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,447
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,566
−HK$121/mo
Today · 4.125%
HK$4,687
baseline
▲ 0.50% · 4.625%
HK$4,934
+HK$247/mo
Deposit HK$584K · loan HK$876K · min. income ≈ HK$9,374/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,663
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,808
−HK$148/mo
Today · 4.125%
HK$4,956
baseline
▲ 0.50% · 4.625%
HK$5,257
+HK$301/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$9,912/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,188
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,327
−HK$141/mo
Today · 4.125%
HK$5,468
baseline
▲ 0.50% · 4.625%
HK$5,756
+HK$288/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$10,936/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,996
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,182
−HK$190/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$387/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$12,744/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,670
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$182/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$370/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$14,062/mo (50% DSR)
Upfront cash ≈ HK$146K (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).