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$3,396
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,502
−HK$107/mo
Today · 4.125%
HK$3,609
baseline
▲ 0.50% · 4.625%
HK$3,829
+HK$220/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,218/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,778
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,879
−HK$103/mo
Today · 4.125%
HK$3,982
baseline
▲ 0.50% · 4.625%
HK$4,192
+HK$210/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,964/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,075
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,202
−HK$129/mo
Today · 4.125%
HK$4,331
baseline
▲ 0.50% · 4.625%
HK$4,594
+HK$263/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$8,662/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,534
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$124/mo
Today · 4.125%
HK$4,779
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$251/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$9,558/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,754
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,902
−HK$151/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,360
+HK$307/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,106/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,289
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$144/mo
Today · 4.125%
HK$5,575
baseline
▲ 0.50% · 4.625%
HK$5,869
+HK$294/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,150/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,113
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,303
−HK$193/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,891
+HK$395/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,992/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,800
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,983
−HK$185/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,336/mo (50% DSR)
Upfront cash ≈ HK$149K (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).