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$3,372
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,477
−HK$106/mo
Today · 4.125%
HK$3,583
baseline
▲ 0.50% · 4.625%
HK$3,801
+HK$218/mo
Deposit HK$739K · loan HK$739K · min. income ≈ HK$7,166/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,751
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,852
−HK$102/mo
Today · 4.125%
HK$3,954
baseline
▲ 0.50% · 4.625%
HK$4,162
+HK$208/mo
Deposit HK$739K · loan HK$739K · min. income ≈ HK$7,908/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,046
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,172
−HK$128/mo
Today · 4.125%
HK$4,300
baseline
▲ 0.50% · 4.625%
HK$4,562
+HK$262/mo
Deposit HK$591K · loan HK$887K · min. income ≈ HK$8,600/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,501
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,622
−HK$123/mo
Today · 4.125%
HK$4,745
baseline
▲ 0.50% · 4.625%
HK$4,995
+HK$250/mo
Deposit HK$591K · loan HK$887K · min. income ≈ HK$9,490/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,721
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$150/mo
Today · 4.125%
HK$5,017
baseline
▲ 0.50% · 4.625%
HK$5,322
+HK$305/mo
Deposit HK$444K · loan HK$1.04M · min. income ≈ HK$10,034/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,252
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$142/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,827
+HK$292/mo
Deposit HK$444K · loan HK$1.04M · min. income ≈ HK$11,070/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,069
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,258
−HK$192/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,842
+HK$392/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,900/mo (50% DSR)
Upfront cash ≈ HK$148K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,752
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,933
−HK$184/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$375/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,234/mo (50% DSR)
Upfront cash ≈ HK$148K (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).