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$3,269
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,371
−HK$103/mo
Today · 4.125%
HK$3,474
baseline
▲ 0.50% · 4.625%
HK$3,685
+HK$211/mo
Deposit HK$717K · loan HK$717K · min. income ≈ HK$6,948/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,637
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,734
−HK$99/mo
Today · 4.125%
HK$3,833
baseline
▲ 0.50% · 4.625%
HK$4,035
+HK$202/mo
Deposit HK$717K · loan HK$717K · min. income ≈ HK$7,666/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,923
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,045
−HK$124/mo
Today · 4.125%
HK$4,169
baseline
▲ 0.50% · 4.625%
HK$4,422
+HK$253/mo
Deposit HK$573K · loan HK$860K · min. income ≈ HK$8,338/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,364
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,481
−HK$119/mo
Today · 4.125%
HK$4,600
baseline
▲ 0.50% · 4.625%
HK$4,842
+HK$242/mo
Deposit HK$573K · loan HK$860K · min. income ≈ HK$9,200/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,577
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,719
−HK$144/mo
Today · 4.125%
HK$4,863
baseline
▲ 0.50% · 4.625%
HK$5,159
+HK$296/mo
Deposit HK$430K · loan HK$1.00M · min. income ≈ HK$9,726/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,091
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,228
−HK$138/mo
Today · 4.125%
HK$5,366
baseline
▲ 0.50% · 4.625%
HK$5,649
+HK$283/mo
Deposit HK$430K · loan HK$1.00M · min. income ≈ HK$10,732/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,884
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$186/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,634
+HK$381/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,506/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,546
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,722
−HK$178/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$363/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,800/mo (50% DSR)
Upfront cash ≈ HK$143K (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).