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$3,273
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,375
−HK$103/mo
Today · 4.125%
HK$3,478
baseline
▲ 0.50% · 4.625%
HK$3,690
+HK$212/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$6,956/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,641
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,739
−HK$99/mo
Today · 4.125%
HK$3,838
baseline
▲ 0.50% · 4.625%
HK$4,040
+HK$202/mo
Deposit HK$718K · loan HK$718K · min. income ≈ HK$7,676/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,928
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,050
−HK$124/mo
Today · 4.125%
HK$4,174
baseline
▲ 0.50% · 4.625%
HK$4,428
+HK$254/mo
Deposit HK$574K · loan HK$861K · min. income ≈ HK$8,348/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$4,370
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,487
−HK$119/mo
Today · 4.125%
HK$4,606
baseline
▲ 0.50% · 4.625%
HK$4,849
+HK$243/mo
Deposit HK$574K · loan HK$861K · min. income ≈ HK$9,212/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$4,582
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,725
−HK$145/mo
Today · 4.125%
HK$4,870
baseline
▲ 0.50% · 4.625%
HK$5,166
+HK$296/mo
Deposit HK$431K · loan HK$1.00M · min. income ≈ HK$9,740/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,098
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,235
−HK$138/mo
Today · 4.125%
HK$5,373
baseline
▲ 0.50% · 4.625%
HK$5,657
+HK$284/mo
Deposit HK$431K · loan HK$1.00M · min. income ≈ HK$10,746/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,892
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,075
−HK$186/mo
Today · 4.125%
HK$6,261
baseline
▲ 0.50% · 4.625%
HK$6,642
+HK$381/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$12,522/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,554
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,730
−HK$179/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,273
+HK$364/mo
Deposit HK$144K · loan HK$1.29M · min. income ≈ HK$13,818/mo (50% DSR)
Upfront cash ≈ HK$144K (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).