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$3,389
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,495
−HK$107/mo
Today · 4.125%
HK$3,602
baseline
▲ 0.50% · 4.625%
HK$3,821
+HK$219/mo
Deposit HK$743K · loan HK$743K · min. income ≈ HK$7,204/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,771
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,872
−HK$102/mo
Today · 4.125%
HK$3,974
baseline
▲ 0.50% · 4.625%
HK$4,184
+HK$210/mo
Deposit HK$743K · loan HK$743K · min. income ≈ HK$7,948/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,067
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,194
−HK$128/mo
Today · 4.125%
HK$4,322
baseline
▲ 0.50% · 4.625%
HK$4,585
+HK$263/mo
Deposit HK$595K · loan HK$892K · min. income ≈ HK$8,644/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,525
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,646
−HK$123/mo
Today · 4.125%
HK$4,769
baseline
▲ 0.50% · 4.625%
HK$5,021
+HK$252/mo
Deposit HK$595K · loan HK$892K · min. income ≈ HK$9,538/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,745
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$150/mo
Today · 4.125%
HK$5,043
baseline
▲ 0.50% · 4.625%
HK$5,350
+HK$307/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$10,086/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,279
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$143/mo
Today · 4.125%
HK$5,564
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$293/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$11,128/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,101
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,291
−HK$193/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,878
+HK$394/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,968/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$6,787
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$185/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,531
+HK$377/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,308/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).