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$3,336
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,440
−HK$105/mo
Today · 4.125%
HK$3,545
baseline
▲ 0.50% · 4.625%
HK$3,761
+HK$216/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,090/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,711
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,811
−HK$101/mo
Today · 4.125%
HK$3,912
baseline
▲ 0.50% · 4.625%
HK$4,118
+HK$206/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,824/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,003
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,128
−HK$126/mo
Today · 4.125%
HK$4,254
baseline
▲ 0.50% · 4.625%
HK$4,513
+HK$259/mo
Deposit HK$585K · loan HK$878K · min. income ≈ HK$8,508/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,454
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,573
−HK$121/mo
Today · 4.125%
HK$4,694
baseline
▲ 0.50% · 4.625%
HK$4,942
+HK$248/mo
Deposit HK$585K · loan HK$878K · min. income ≈ HK$9,388/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,671
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$147/mo
Today · 4.125%
HK$4,963
baseline
▲ 0.50% · 4.625%
HK$5,265
+HK$302/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,926/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,196
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,335
−HK$142/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,765
+HK$288/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,954/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,005
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$190/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,770
+HK$388/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,764/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,680
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$181/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$372/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,082/mo (50% DSR)
Upfront cash ≈ HK$146K (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).