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$3,366
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,470
−HK$107/mo
Today · 4.125%
HK$3,577
baseline
▲ 0.50% · 4.625%
HK$3,794
+HK$217/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,154/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,744
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,845
−HK$102/mo
Today · 4.125%
HK$3,947
baseline
▲ 0.50% · 4.625%
HK$4,155
+HK$208/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,894/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,039
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,164
−HK$128/mo
Today · 4.125%
HK$4,292
baseline
▲ 0.50% · 4.625%
HK$4,553
+HK$261/mo
Deposit HK$590K · loan HK$886K · min. income ≈ HK$8,584/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,493
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$122/mo
Today · 4.125%
HK$4,736
baseline
▲ 0.50% · 4.625%
HK$4,986
+HK$250/mo
Deposit HK$590K · loan HK$886K · min. income ≈ HK$9,472/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,712
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$148/mo
Today · 4.125%
HK$5,007
baseline
▲ 0.50% · 4.625%
HK$5,312
+HK$305/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,014/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,242
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,383
−HK$142/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,816
+HK$291/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,050/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,058
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,247
−HK$191/mo
Today · 4.125%
HK$6,438
baseline
▲ 0.50% · 4.625%
HK$6,830
+HK$392/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,876/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$6,740
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$184/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$374/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,208/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).