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$3,517
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,626
−HK$112/mo
Today · 4.125%
HK$3,738
baseline
▲ 0.50% · 4.625%
HK$3,965
+HK$227/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$7,476/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,913
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,018
−HK$106/mo
Today · 4.125%
HK$4,124
baseline
▲ 0.50% · 4.625%
HK$4,341
+HK$217/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$8,248/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,220
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,352
−HK$133/mo
Today · 4.125%
HK$4,485
baseline
▲ 0.50% · 4.625%
HK$4,758
+HK$273/mo
Deposit HK$617K · loan HK$925K · min. income ≈ HK$8,970/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,695
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$128/mo
Today · 4.125%
HK$4,949
baseline
▲ 0.50% · 4.625%
HK$5,210
+HK$261/mo
Deposit HK$617K · loan HK$925K · min. income ≈ HK$9,898/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,924
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,077
−HK$156/mo
Today · 4.125%
HK$5,233
baseline
▲ 0.50% · 4.625%
HK$5,551
+HK$318/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,466/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,478
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,625
−HK$149/mo
Today · 4.125%
HK$5,774
baseline
▲ 0.50% · 4.625%
HK$6,078
+HK$304/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,548/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,331
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,527
−HK$201/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,137
+HK$409/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,456/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,043
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$191/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,814
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,846/mo (50% DSR)
Upfront cash ≈ HK$154K (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).