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$3,468
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,576
−HK$109/mo
Today · 4.125%
HK$3,685
baseline
▲ 0.50% · 4.625%
HK$3,910
+HK$225/mo
Deposit HK$760K · loan HK$760K · min. income ≈ HK$7,370/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,858
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,962
−HK$105/mo
Today · 4.125%
HK$4,067
baseline
▲ 0.50% · 4.625%
HK$4,281
+HK$214/mo
Deposit HK$760K · loan HK$760K · min. income ≈ HK$8,134/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,162
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,291
−HK$132/mo
Today · 4.125%
HK$4,423
baseline
▲ 0.50% · 4.625%
HK$4,692
+HK$269/mo
Deposit HK$608K · loan HK$913K · min. income ≈ HK$8,846/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,630
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,754
−HK$126/mo
Today · 4.125%
HK$4,880
baseline
▲ 0.50% · 4.625%
HK$5,137
+HK$257/mo
Deposit HK$608K · loan HK$913K · min. income ≈ HK$9,760/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,855
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,006
−HK$154/mo
Today · 4.125%
HK$5,160
baseline
▲ 0.50% · 4.625%
HK$5,474
+HK$314/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$10,320/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,401
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,546
−HK$147/mo
Today · 4.125%
HK$5,693
baseline
▲ 0.50% · 4.625%
HK$5,993
+HK$300/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$11,386/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,242
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$197/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$403/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,268/mo (50% DSR)
Upfront cash ≈ HK$152K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,945
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$189/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,706
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,640/mo (50% DSR)
Upfront cash ≈ HK$152K (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).