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$3,507
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,616
−HK$111/mo
Today · 4.125%
HK$3,727
baseline
▲ 0.50% · 4.625%
HK$3,953
+HK$226/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$7,454/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,901
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,006
−HK$106/mo
Today · 4.125%
HK$4,112
baseline
▲ 0.50% · 4.625%
HK$4,329
+HK$217/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$8,224/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,208
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,339
−HK$133/mo
Today · 4.125%
HK$4,472
baseline
▲ 0.50% · 4.625%
HK$4,744
+HK$272/mo
Deposit HK$615K · loan HK$923K · min. income ≈ HK$8,944/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,681
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,807
−HK$127/mo
Today · 4.125%
HK$4,934
baseline
▲ 0.50% · 4.625%
HK$5,194
+HK$260/mo
Deposit HK$615K · loan HK$923K · min. income ≈ HK$9,868/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,909
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$155/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,535
+HK$318/mo
Deposit HK$461K · loan HK$1.08M · min. income ≈ HK$10,434/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,462
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,608
−HK$149/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,060
+HK$303/mo
Deposit HK$461K · loan HK$1.08M · min. income ≈ HK$11,514/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,312
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$200/mo
Today · 4.125%
HK$6,708
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$408/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$13,416/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,022
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$191/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$391/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$14,802/mo (50% DSR)
Upfront cash ≈ HK$154K (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).